{"state": "SPEC SHEET: a managed cloud provider for the analytics platform\nCorelink | monthly cost=$2,350 | p95 latency=205 ms | uptime commitment=99.90% | SOC 2 Type II report=yes | EU data residency=no\nNimbus | monthly cost=$4,950 | p95 latency=140 ms | uptime commitment=99.59% | SOC 2 Type II report=yes | EU data residency=no\nDriftnet | monthly cost=$3,250 | p95 latency=40 ms | uptime commitment=99.88% | SOC 2 Type II report=yes | EU data residency=no\nArcadia Hosting | monthly cost=$2,000 | p95 latency=150 ms | uptime commitment=99.85% | SOC 2 Type II report=no | EU data residency=yes\nStratus Cloud | monthly cost=$2,600 | p95 latency=90 ms | uptime commitment=99.85% | SOC 2 Type II report=yes | EU data residency=yes\nR1: it must offer SOC 2 Type II report\nSelection: Among the options that meet every requirement, choose the one with the highest uptime commitment; if two or more are tied on uptime commitment, choose the one with the lowest p95 latency.", "questions": {"choice": {"type": "choice", "instructions": "Which provider best satisfies the brief?", "criteria": {"driftnet": null, "stratus_cloud": null, "corelink": null, "arcadia_hosting": null, "nimbus": null, "none_qualifies": "No option qualifies"}, "src": "hard_tradeoff", "label": "corelink"}, "meets": {"type": "noul", "instructions": "Does Stratus Cloud meet every hard requirement?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00027", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00027", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "provider", "none_case": false, "facts": {"rule": "lex", "options": {"Corelink": {"cost": 2350, "latency": 205, "uptime": 9990, "soc2": true, "eu": false}, "Nimbus": {"cost": 4950, "latency": 140, "uptime": 9959, "soc2": true, "eu": false}, "Driftnet": {"cost": 3250, "latency": 40, "uptime": 9988, "soc2": true, "eu": false}, "Arcadia Hosting": {"cost": 2000, "latency": 150, "uptime": 9985, "soc2": false, "eu": true}, "Stratus Cloud": {"cost": 2600, "latency": 90, "uptime": 9985, "soc2": true, "eu": true}}, "constraints": [{"attr": "soc2", "op": "is", "value": true}], "priority": [["uptime", "higher"], ["latency", "lower"]], "weights": {}, "years": null, "check": "Stratus Cloud", "options_q": {"choice": {"driftnet": "driftnet", "stratus_cloud": "stratus_cloud", "corelink": "corelink", "arcadia_hosting": "arcadia_hosting", "nimbus": "nimbus", "none_qualifies": "none_qualifies"}}}, "text_sha256": "da9023f7cdbb812d96614ec5a1b4fe7c2a6d1965a19d5021ba16a14a287e0b7d", "state_tokens": 293}}
{"state": "MEMO\nRe: Outage: inventory-db\n\nOutages propagate along hard dependencies: if a service goes down, every service that depends on it, directly or through other hard dependencies, is affected. Soft dependencies do not propagate outages. user-profile depends on checkout-web. reporting-etl depends on auth-service.\n\nbilling-api depends on checkout-web. fraud-scorer depends on inventory-db. auth-service depends on fraud-scorer.\n\ngeo-lookup depends on user-profile. email-relay depends on reporting-etl. inventory-db depends on pricing-engine.\n\ncatalog-api depends on inventory-db (soft dependency: it degrades gracefully and keeps working if inventory-db is down). inventory-db is currently down.", "questions": {"affected": {"type": "choice", "instructions": "Which of these will the outage reach?", "criteria": {"pricing_engine": null, "billing_api": null, "catalog_api": null, "email_relay": null}, "src": "hard_multi_hop", "label": "email_relay"}}, "_meta": {"id": "hard-v1/multi_hop/development/00040", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00040", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "deps", "hops": 4, "soft": true, "facts": {"kind": "deps", "edges": [["fraud-scorer", "inventory-db", false], ["auth-service", "fraud-scorer", false], ["reporting-etl", "auth-service", false], ["email-relay", "reporting-etl", false], ["inventory-db", "pricing-engine", false], ["user-profile", "checkout-web", false], ["billing-api", "checkout-web", false], ["catalog-api", "inventory-db", true], ["geo-lookup", "user-profile", false]], "down": "inventory-db", "candidates": ["email-relay", "pricing-engine", "billing-api", "catalog-api"], "options_q": {"affected": {"pricing_engine": "pricing_engine", "billing_api": "billing_api", "catalog_api": "catalog_api", "email_relay": "email_relay"}}}, "text_sha256": "54f2303bb06ad235cf888b02950807aae343bdb01f85b4d56421b417d73af5f7", "state_tokens": 145}}
{"state": "SPEC SHEET: a managed database service for the orders system\nGranite DB | monthly cost=$1,750 | write latency=13 ms | recovery point objective=29 minutes | documentation score=7/10 | ease of integration score=6/10 | ease of use score=8/10 | point-in-time recovery=no | multi-region replicas=no\nQuarry SQL | monthly cost=$700 | write latency=7 ms | recovery point objective=54 minutes | documentation score=3/10 | ease of integration score=5/10 | ease of use score=4/10 | point-in-time recovery=no | multi-region replicas=yes\nLumen Data | monthly cost=$1,600 | write latency=9 ms | recovery point objective=36 minutes | documentation score=6/10 | ease of integration score=10/10 | ease of use score=9/10 | point-in-time recovery=yes | multi-region replicas=no\nR1: its monthly cost must be at most $1,150\nSelection: Each option has been scored from 1 to 10 on documentation, ease of integration and ease of use (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 45% documentation, 35% ease of integration, 20% ease of use.", "questions": {"choice": {"type": "choice", "instructions": "Which service best satisfies the brief?", "criteria": {"granite_db": null, "quarry_sql": null, "lumen_data": null}, "src": "hard_tradeoff", "label": "quarry_sql"}, "meets": {"type": "noul", "instructions": "Does Granite DB meet every hard requirement?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00023", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00023", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "service", "none_case": false, "facts": {"rule": "weighted", "options": {"Granite DB": {"cost": 1750, "latency": 13, "rpo": 29, "pitr": false, "multiregion": false, "documentation": 7, "ease of integration": 6, "ease of use": 8}, "Quarry SQL": {"cost": 700, "latency": 7, "rpo": 54, "pitr": false, "multiregion": true, "documentation": 3, "ease of integration": 5, "ease of use": 4}, "Lumen Data": {"cost": 1600, "latency": 9, "rpo": 36, "pitr": true, "multiregion": false, "documentation": 6, "ease of integration": 10, "ease of use": 9}}, "constraints": [{"attr": "cost", "op": "<=", "value": 1150}], "priority": [], "weights": {"documentation": 45, "ease of integration": 35, "ease of use": 20}, "years": null, "check": "Granite DB", "options_q": {"choice": {"granite_db": "granite_db", "quarry_sql": "quarry_sql", "lumen_data": "lumen_data"}}}, "text_sha256": "ff5d9e357433ab68198905df457a6ef93ff219c8d99bc5b5787c4bd9f6644aef", "state_tokens": 295}}
{"state": "MEMO\nRe: Approval\n\nPurchases under $250 need no approval. Purchases from $250 up to $5,000 must be approved by a Manager or more senior; purchases above $5,000 must be approved by a Director or more senior. Seniority: Analyst, Engineer, Manager, Senior Manager, Director, Vice President, Chief Executive. Mira Sato submitted a purchase of $12,357 for conference travel. The purchase was approved by Dmitri Bauer.\n\nDmitri Bauer is a Senior Manager. Ines Lindqvist, who leads the travel desk, is a Vice President.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "approval_invalid": "The approval is not valid under the rule", "approval_valid": "The purchase is properly approved"}, "src": "hard_ambiguous", "label": "approval_invalid"}}, "_meta": {"id": "hard-v1/ambiguous/development/00066", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00066", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "approval", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "approval", "insufficient_key": "not_enough_information", "params": {"amount": 12357, "no_approval_below": 250, "director_above": 5000, "title": "Senior Manager"}, "deciding_present": true, "options_q": {"decision": {"not_enough_information": "not_enough_information", "approval_invalid": "approval_invalid", "approval_valid": "approval_valid"}}}, "text_sha256": "bfb27f130a9877b2fddc2a6213ffca6105cabe889629956ce64017e328fb3c78", "state_tokens": 135}}
{"state": "MEMO\nRe: Recurring schedule\n\nRent is collected on day 5 of each month; if that day falls on a Saturday or Sunday, it is collected on the Friday before. March 1, 2026 is a Sunday. Question concerns the collection in March 2026.", "questions": {"date": {"type": "choice", "instructions": "Date of the requested occurrence:", "criteria": {"a": "5 March 2026", "b": "9 March 2026", "c": "4 March 2026", "d": "6 March 2026", "e": "2 March 2026"}, "src": "hard_temporal_numeric", "label": "a"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00048", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00048", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "recurring_monthly_rollback", "facts": {"kind": "recurring", "pattern": "monthly_rollback", "year": 2026, "month": 3, "dom": 5, "options_q": {"date": {"a": "2026-03-05", "b": "2026-03-09", "c": "2026-03-04", "d": "2026-03-06", "e": "2026-03-02"}}}, "text_sha256": "681b734f9809b0b6b99889e6900f1edc72333f80e37ffc557723d45c3115efd7", "state_tokens": 63}}
{"state": "MEMO\nRe: Overtime\n\nHours beyond 40 in a Monday-to-Sunday week are overtime. No shift may exceed 10 hours. Emeka Delgado worked 9 hours on Monday. Emeka Delgado worked 10 hours on Tuesday.\n\nEmeka Delgado worked 8 hours on Wednesday. Emeka Delgado worked 9 hours on Thursday. Emeka Delgado worked 6 hours on Friday.\n\nEmeka did not work at the weekend.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"overtime_due": "Overtime is due for this week", "no_overtime": "No overtime is due for this week", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "overtime_due"}}, "_meta": {"id": "hard-v1/ambiguous/development/00072", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00072", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "overtime", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "overtime", "insufficient_key": "not_enough_information", "params": {"hours": [9, 10, 8, 9, 6], "max_shift": 10}, "deciding_present": true, "options_q": {"decision": {"overtime_due": "overtime_due", "no_overtime": "no_overtime", "not_enough_information": "not_enough_information"}}}, "text_sha256": "a613432424938d49499f6060215490948cc8d071dbbcd4008af797eb8307bb09", "state_tokens": 99}}
{"state": "DEVICE PROTECTION PLAN TERMS\nIssued by Voltguard Protection Ltd\nIn this policy, \"the Provider\" means Voltguard Protection Ltd and \"the Customer\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Accessories means cases, chargers, earbuds and styluses.\n(2) Accessories means cases, chargers and earbuds.\n(3) Assessed loss means the cost of repair or replacement agreed by the Provider, before any service fee, limit or sublimit is applied.\n(4) Authorised repairer means a repairer approved in writing by the Provider.\n(5) Battery replacement means replacement batteries and battery repairs.\n(6) Breakdown means the failure of a part to work as the manufacturer intended, from an internal electrical or mechanical fault.\n(7) Business day means Monday to Friday, excluding public holidays.\n(8) Device means the item shown in the schedule, bought new from an authorised retailer.\n(9) Family means the Customer's spouse or partner and any children who live with the Customer.\n(10) Incident means a single event, or a series of events arising from one cause.\n(11) Limit means the most the Provider will pay for all claims under a section arising from one incident.\n(12) Manufacturer's warranty period means the first 24 months after the device was bought.\n(13) Policy period means twelve months from the policy start date shown in the Customer's schedule.\n(14) Premium means the amount the Customer must pay for this policy, including any taxes.\n(15) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(16) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(17) Replacement device means a device of the same or similar specification, which may be refurbished.\n(18) Schedule means the document issued with this policy that shows the Customer's details, the covers the Customer bought and any extensions.\n(19) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(20) Wearables means smartwatches and fitness trackers.\n\n§ 2  Limits and service fee\n(1) Accidental Damage: limit $800 per incident; service fee $79 per claim.\n(2) Breakdown: limit $600 per incident; service fee $25 per claim.\n(3) Theft and Loss: limit $1,200 per incident; service fee $99 per claim.\n(4) The service fee is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 4  Assignment\n(1) The Customer cannot transfer the Customer's interest in this policy to anyone else without the Provider's written consent.\n\n§ 5  Communication\n(1) The Provider will communicate with the Customer in English.\n(2) The Provider may record telephone calls for training and quality purposes.\n\n§ 6  Optional cover: Theft and Loss\n(1) The Provider will replace the Customer's device if it is stolen or lost.\n(2) This section applies only if it is shown as purchased in the Customer's schedule.\n(3) The most the Provider will pay for Accessories under this section is $100 per incident.\n(4) The Provider will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Provider will not pay for theft that was not reported to the police.\n\n§ 7  Subrogation\n(1) The Provider will be entitled to take over and conduct in the Customer's name the defence or settlement of any claim.\n(2) The Provider can take action in the Customer's name to recover any payment the Provider makes from anyone responsible for the loss.\n\n§ 8  Change of address\n(1) The Customer must tell the Provider within 30 days if the Customer changes the Customer's address.\n(2) The Provider may change the premium or the terms from the date of the move.\n\n§ 9  Arbitration\n(1) If the Provider accepts a claim but disagree with the Customer about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Provider.\n\n§ 10  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 11  Breakdown\n(1) The Provider will repair or replace the Customer's device if it stops working because of an electrical or mechanical fault.\n(2) No cover applies under this section to any incident that happens within the first 45 days after the policy start date.\n(3) The most the Provider will pay for Battery replacement under this section is $80 per incident.\n(4) The Provider will not pay for breakdowns during the manufacturer's warranty period.\n(5) The Provider will not pay for breakdown caused by liquid getting into the device.\n\n§ 12  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 13  Notices\n(1) Any notice the Provider gives under this policy will be sent to the most recent postal or email address the Provider holds.\n(2) Notices from the Customer should be sent to the address shown in the schedule.\n\n§ 14  Compensation scheme\n(1) The Provider is covered by a financial services compensation scheme.\n(2) If the Provider cannot meet the Provider's obligations, the Customer may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 15  Changes in circumstances\n(1) The Customer must tell the Provider as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Provider may then change the premium or the terms of this policy, or cancel it.\n\n§ 16  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Provider may charge the premium without the discount from that date.\n\n§ 17  Software support\n(1) The Provider's helpline can give advice on setting up and using the Customer's device.\n(2) Software support does not include fixing problems caused by third-party apps or unofficial operating systems.\n\n§ 18  Market conditions\n(1) If the replacement item is no longer available, the Provider will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 19  Renewal\n(1) The Provider will write to the Customer at least 21 days before the end of the policy period with the renewal terms.\n(2) The Provider is not obliged to offer renewal.\n\n§ 20  Reasonable precautions\n(1) The Customer must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Customer must take reasonable steps to recover lost or stolen property.\n\n§ 21  Recovery of costs\n(1) If the Provider pays a claim that is later found not to be covered, the Provider may ask the Customer to repay the amount.\n\n§ 22  Duty of fair presentation\n(1) The Customer must answer all questions the Provider asks honestly and to the best of the Customer's knowledge.\n(2) If the Customer gives incorrect information deliberately or recklessly, the Provider may treat this policy as if it never existed and keep the premium.\n(3) If the Customer gives incorrect information carelessly, the Provider may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 23  Salvage\n(1) When the Provider replaces an item, the damaged or recovered item becomes the Provider's property.\n(2) If stolen property is recovered after the Provider has paid a claim, the Customer must tell the Provider and either return the payment or give the Provider the property.\n\n§ 24  Environmental commitment\n(1) Where practical, the Provider will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Customer may ask for a new part instead, and the Provider will tell the Customer whether any additional cost would apply.\n\n§ 25  Cooperation\n(1) The Customer must give the Provider all the help and information the Provider reasonably need to settle a claim.\n(2) The Customer must not admit liability or offer to settle any claim without the Provider's written permission.\n\n§ 26  Exchange of information\n(1) To prevent fraud, the Provider may check the details the Customer gives against public records and industry databases.\n(2) The Provider may contact previous insurers to confirm the Customer's claims history.\n\n§ 27  Waiver\n(1) If the Provider does not enforce any term of this policy, that does not mean the Provider has given up the right to enforce it later.\n\n§ 28  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 29  Accidental Damage\n(1) The Provider will repair or replace the Customer's device if it is accidentally damaged.\n(2) The most the Provider will pay for Accessories under this section is $100 per incident.\n(3) The most the Provider will pay for Wearables under this section is $250 per incident.\n(4) The Provider will not pay for cosmetic damage, such as scratches or dents, that does not affect how the device works.\n(5) The Provider will not pay for damage following a repair by anyone other than the Provider or an authorised repairer. This exclusion does not apply if the Provider approved the repair in writing beforehand.\n\n§ 30  Interest\n(1) The Provider will not pay interest on any claim payment unless the law requires it.\n\n§ 31  General exclusions\n(1) The Provider will not pay for loss caused by nuclear radiation or radioactive contamination.\n(2) The Provider will not pay for loss or damage caused by war, invasion, or civil war.\n(3) The Provider will not pay for any fraudulent claim or any claim supported by false documents.\n(4) The Provider will not pay for loss arising from a government order or sanction that prohibits the Provider from paying.\n\n§ 32  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Provider will not pay the claim and all cover under this policy may be cancelled.\n(2) The Provider may share information with fraud prevention agencies and other insurers.\n\n§ 33  Premium payment\n(1) The Customer must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Provider may cancel the policy after giving notice.\n\n§ 34  Third-party administrators\n(1) The Provider may appoint another company to handle claims or other services on the Provider's behalf.\n(2) Any company the Provider appoints must follow the terms of this policy and applicable data protection law.\n\n§ 35  Data protection\n(1) The Provider will use the personal information the Customer provides to administer this policy and to handle claims.\n(2) The Provider will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Customer can ask for a copy of the personal information the Provider holds by writing to the Provider's data protection officer.\n\n§ 36  Making a claim\n(1) The Customer must notify the Provider of a claim within 30 days of the incident. The Provider will not pay any claim notified after that time.\n(2) The Provider may appoint a loss adjuster to investigate any claim.\n(3) The Customer must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 37  Complaints\n(1) If the Customer has a complaint, the Customer should first contact the Provider's customer relations team, quoting the policy number.\n(2) The Provider will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Customer remains dissatisfied, the Customer may be able to refer the complaint to an independent ombudsman service.\n\n§ 38  Instalment agreements\n(1) If the Customer pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n=== CLAIM ===\nClaim summary: Amara Iyer; policy T906480; policy start 22 February 2026; schedule covers Accidental Damage, Breakdown; extensions none. Section claimed: Accidental Damage, for a smartwatch. Incident date 4 December 2026; notified 31 December 2026; assessed loss $370.50. Facts: The smartwatch slipped from Amara's hand onto a stone floor. The retailer's receipt was uploaded with the claim. Amara bought the device from an authorised retailer. The device is registered in Amara's name.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_sublimit": "Pay up to the Wearables sublimit (§ 29(3))", "pay_less_fee": "Pay the assessed loss less the service fee", "not_covered": "Decline: Accidental Damage is not a cover shown in the schedule", "deny_cosmetic_damage": "Decline under the cosmetic damage exclusion (§ 29(4))", "deny_late": "Decline: the claim was notified too late (§ 36(1))"}, "src": "hard_long_policy", "label": "pay_sublimit"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$291.50", "b": "$171", "c": "$721", "d": "$250", "e": "$370.50"}, "src": "hard_long_policy", "label": "d"}}, "_meta": {"id": "hard-v1/long_policy/development/00032", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00032", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "device", "target": "pay_sublimit", "category": "accidental_damage", "tempting": null, "facts": {"domain": "device", "fee_order": "before", "notice_days": 30, "categories": {"accidental_damage": {"limit": 800, "fee": 79, "waiting": 0, "purchased": true}, "breakdown": {"limit": 600, "fee": 25, "waiting": 45, "purchased": true}, "theft_loss": {"limit": 1200, "fee": 99, "waiting": 0, "purchased": false}}, "classes": {"accessories": {"category": "accidental_damage", "cap": 100}, "wearables": {"category": "accidental_damage", "cap": 250}, "battery": {"category": "breakdown", "cap": 80}, "accessories_tl": {"category": "theft_loss", "cap": 100}}, "exclusions": [{"key": "cosmetic_damage", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unauthorised_repair", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "manufacturer_warranty", "categories": ["breakdown"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}, {"key": "liquid", "categories": ["breakdown"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unattended", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "no_police_report", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "accidental_damage", "item": "the smartwatch", "item_class": "wearables", "loss_cents": 37050, "start": "2026-02-22", "incident": "2026-12-04", "reported": "2026-12-31", "conditions": {}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"pay_sublimit": "pay_sublimit", "pay_less_fee": "pay_less_fee", "not_covered": "not_covered", "deny_cosmetic_damage": "deny_cosmetic_damage", "deny_late": "deny_late"}, "amount": {"a": 29150, "b": 17100, "c": 72100, "d": 25000, "e": 37050}}}, "text_sha256": "81cd545c4ede7f8eefd2c1d93fc1792686f8b0add5a9f82d3f0aa2b2cb2d169c", "state_tokens": 2967}}
{"state": "SPEC SHEET: a managed database service for the orders system\nLumen Data | monthly cost=$3,300 | write latency=34 ms | recovery point objective=24 minutes | point-in-time recovery=yes | multi-region replicas=yes\nQuarry SQL | monthly cost=$3,350 | write latency=16 ms | recovery point objective=47 minutes | point-in-time recovery=yes | multi-region replicas=yes\nPolar Store | monthly cost=$2,400 | write latency=35 ms | recovery point objective=20 minutes | point-in-time recovery=yes | multi-region replicas=yes\nR1: its recovery point objective must be at most 18 minutes\nSelection: Among the options that meet every requirement, choose the one with the lowest monthly cost; if two or more are tied on monthly cost, choose the one with the lowest recovery point objective.", "questions": {"choice": {"type": "choice", "instructions": "Which service best satisfies the brief?", "criteria": {"quarry_sql": null, "lumen_data": null, "none_qualifies": "No option qualifies", "polar_store": null}, "src": "hard_tradeoff", "label": "none_qualifies"}, "meets": {"type": "noul", "instructions": "Is Polar Store compliant with all the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00002", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00002", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "service", "none_case": true, "facts": {"rule": "lex", "options": {"Lumen Data": {"cost": 3300, "latency": 34, "rpo": 24, "pitr": true, "multiregion": true}, "Quarry SQL": {"cost": 3350, "latency": 16, "rpo": 47, "pitr": true, "multiregion": true}, "Polar Store": {"cost": 2400, "latency": 35, "rpo": 20, "pitr": true, "multiregion": true}}, "constraints": [{"attr": "rpo", "op": "<=", "value": 18}], "priority": [["cost", "lower"], ["rpo", "lower"]], "weights": {}, "years": null, "check": "Polar Store", "options_q": {"choice": {"quarry_sql": "quarry_sql", "lumen_data": "lumen_data", "none_qualifies": "none_qualifies", "polar_store": "polar_store"}}}, "text_sha256": "75bf776a0864d31fc02441f4c9111e44f893f7a12655f65c65f1d1f223f470de", "state_tokens": 185}}
{"state": "SPEC SHEET: a freight carrier for the Rotterdam to Milan lane\nMeridian Cargo | price per shipment=$1,550 | transit time=6 days | damage rate=1.25% | temperature-controlled trailers=no | live GPS tracking=no\nAlpfreight | price per shipment=$1,150 | transit time=11 days | damage rate=1.70% | temperature-controlled trailers=no | live GPS tracking=no\nPortway | price per shipment=$1,325 | transit time=11 days | damage rate=2.25% | temperature-controlled trailers=yes | live GPS tracking=yes\nRhenus Line | price per shipment=$1,150 | transit time=7 days | damage rate=1.80% | temperature-controlled trailers=no | live GPS tracking=no\nKestrel Haulage | price per shipment=$1,325 | transit time=6 days | damage rate=2.80% | temperature-controlled trailers=yes | live GPS tracking=no\nR1: it must offer temperature-controlled trailers\nSelection: Among the options that meet every requirement, choose the one with the lowest price per shipment; if two or more are tied on price per shipment, choose the one with the lowest damage rate.", "questions": {"choice": {"type": "choice", "instructions": "Which carrier best satisfies the brief?", "criteria": {"kestrel_haulage": null, "meridian_cargo": null, "rhenus_line": null, "portway": null, "alpfreight": null}, "src": "hard_tradeoff", "label": "portway"}, "meets": {"type": "noul", "instructions": "Is Portway compliant with all the hard requirements?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00050", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00050", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "carrier", "none_case": false, "facts": {"rule": "lex", "options": {"Meridian Cargo": {"cost": 1550, "transit": 6, "damage": 125, "reefer": false, "tracking": false}, "Alpfreight": {"cost": 1150, "transit": 11, "damage": 170, "reefer": false, "tracking": false}, "Portway": {"cost": 1325, "transit": 11, "damage": 225, "reefer": true, "tracking": true}, "Rhenus Line": {"cost": 1150, "transit": 7, "damage": 180, "reefer": false, "tracking": false}, "Kestrel Haulage": {"cost": 1325, "transit": 6, "damage": 280, "reefer": true, "tracking": false}}, "constraints": [{"attr": "reefer", "op": "is", "value": true}], "priority": [["cost", "lower"], ["damage", "lower"]], "weights": {}, "years": null, "check": "Portway", "options_q": {"choice": {"kestrel_haulage": "kestrel_haulage", "meridian_cargo": "meridian_cargo", "rhenus_line": "rhenus_line", "portway": "portway", "alpfreight": "alpfreight"}}}, "text_sha256": "270f603618b40557dd83b1eb6e19c6a4e5d506969759668a5d829e80b2a5b873", "state_tokens": 265}}
{"state": "MEMO\nRe: Subscription cancellation\n\nA customer paid $1,499.00 for an annual plan running from 3 May 2026 up to (but not including) 3 May 2027. They cancelled on 6 June 2026. Refund rule: refund the annual price multiplied by the number of unused days and divided by the number of days in the plan year; the cancellation day counts as used. Round to the nearest cent.", "questions": {"refund": {"type": "choice", "instructions": "Refund due:", "criteria": {"a": "$1,355.26", "b": "$1,374.08", "c": "$143.74", "d": "$1,359.37", "e": "$1,351.56"}, "src": "hard_temporal_numeric", "label": "a"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00079", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00079", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "prorata", "leap": false, "facts": {"kind": "prorata", "start": "2026-05-03", "end": "2027-05-03", "cancel": "2026-06-06", "price_cents": 149900, "options_q": {"refund": {"a": 135526, "b": 137408, "c": 14374, "d": 135937, "e": 135156}}}, "text_sha256": "316a238ceccf567dfcfa48795f2e2b078857cd93a94476153ab0dfc9bc89568b", "state_tokens": 102}}
{"state": "EMPLOYEE HEALTH BENEFITS PLAN: SUMMARY PLAN DESCRIPTION\nIssued by Wellspring Benefits Administration\nIn this policy, \"the Plan\" means Wellspring Benefits Administration and \"the Member\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Plan, before any deductible, limit or sublimit is applied.\n(2) Business day means Monday to Friday, excluding public holidays.\n(3) Dependant means the Member's spouse or partner, or a child under 21 who is enrolled in the plan.\n(4) Family means the Member's spouse or partner and any children who live with the Member.\n(5) Frames means spectacle frames bought without new lenses.\n(6) Hearing accessories means batteries, chargers and cleaning kits.\n(7) Hearing aid replacement period means 24 months from the purchase of hearing aids funded by the plan.\n(8) Incident means a single event, or a series of events arising from one cause.\n(9) Limit means the most the Plan will pay for all claims under a section arising from one treatment.\n(10) Major restorative work means crowns, bridges, root canal treatment and implants.\n(11) Massage therapy means sports massage, massage therapy and reflexology.\n(12) Orthodontics means braces and clear aligners.\n(13) Plan year means the twelve months starting on the Member's coverage start date.\n(14) Premium means the amount the Member must pay for this policy, including any taxes.\n(15) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(16) Registered practitioner means a practitioner registered with the professional body for their discipline.\n(17) Replacement period means 12 months from the date of the Member's last eyewear claim.\n(18) Schedule means the document issued with this policy that shows the Member's details, the covers the Member bought and any extensions.\n(19) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n\n§ 2  Limits and deductible\n(1) Dental Care: limit $2,000 per treatment; deductible $100 per claim.\n(2) Vision Care: limit $500 per treatment; deductible $25 per claim.\n(3) Therapy Services: limit $1,000 per treatment; deductible $75 per claim.\n(4) Hearing Care: limit $1,000 per treatment; deductible $100 per claim.\n(5) The deductible is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Dental Care\n(1) The Plan will reimburse the cost of dental treatment provided by a licensed dentist.\n(2) No cover applies under this section to any treatment that happens within the first 90 days after the policy start date.\n(3) The most the Plan will pay for Major restorative work under this section is $500 per treatment.\n(4) The most the Plan will pay for Orthodontics under this section is $600 per treatment.\n(5) The Plan will not pay for treatment that is mainly cosmetic, such as whitening or veneers. This exclusion does not apply to treatment needed to repair damage caused by an accident.\n(6) The Plan will not pay for treatment by a provider outside the plan's network. This exclusion does not apply to emergency treatment for sudden severe pain.\n\n§ 4  Salvage\n(1) When the Plan replaces an item, the damaged or recovered item becomes the Plan's property.\n(2) If stolen property is recovered after the Plan has paid a claim, the Member must tell the Plan and either return the payment or give the Plan the property.\n\n§ 5  Inflation\n(1) The Plan may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Member's renewal documents; limits do not change during a policy period.\n\n§ 6  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 7  Premium payment\n(1) The Member must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Plan may cancel the policy after giving notice.\n\n§ 8  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 9  Compensation scheme\n(1) The Plan is covered by a financial services compensation scheme.\n(2) If the Plan cannot meet the Plan's obligations, the Member may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 10  Vision Care\n(1) The Plan will reimburse eye tests and prescription eyewear.\n(2) The most the Plan will pay for Frames under this section is $120 per treatment.\n(3) The Plan will not pay for eyewear without prescription lenses.\n(4) The Plan will not pay for a further eyewear claim within the replacement period.\n\n§ 11  Changes in circumstances\n(1) The Member must tell the Plan as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Plan may then change the premium or the terms of this policy, or cancel it.\n\n§ 12  Optional cover: Hearing Care\n(1) The Plan will reimburse hearing tests and hearing aids.\n(2) This section applies only if it is shown as purchased in the Member's schedule.\n(3) The most the Plan will pay for Hearing accessories under this section is $150 per treatment.\n(4) The Plan will not pay for replacement hearing aids bought within the hearing aid replacement period.\n\n§ 13  Cancellation\n(1) The Member can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Member can cancel at any time; the Plan will refund the premium for the unexpired period less an administration charge of $25.\n(3) The Plan can cancel this policy by giving the Member 30 days' written notice to the last address the Plan holds.\n\n§ 14  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Plan may charge the premium without the discount from that date.\n\n§ 15  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 16  Assignment\n(1) The Member cannot transfer the Member's interest in this policy to anyone else without the Plan's written consent.\n\n§ 17  Therapy Services\n(1) The Plan will reimburse physiotherapy, osteopathy and counselling provided by a registered practitioner.\n(2) The most the Plan will pay for Massage therapy under this section is $300 per treatment.\n(3) The Plan will not pay for treatment of an injury covered by workers' compensation.\n(4) The Plan will not pay for treatment by a practitioner who is not registered with the relevant professional body.\n\n§ 18  General exclusions\n(1) The Plan will not pay for any fraudulent claim or any claim supported by false documents.\n(2) The Plan will not pay for loss or damage caused by war, invasion, or civil war.\n(3) The Plan will not pay for loss caused by nuclear radiation or radioactive contamination.\n(4) The Plan will not pay for loss arising from a government order or sanction that prohibits the Plan from paying.\n(5) The Plan will not pay for any deliberate or criminal act by the Member.\n(6) The Plan will not pay for loss of value or loss of use that does not involve physical loss or damage.\n\n§ 19  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 20  Cooperation\n(1) The Member must give the Plan all the help and information the Plan reasonably need to settle a claim.\n(2) The Member must not admit liability or offer to settle any claim without the Plan's written permission.\n\n§ 21  Exchange of information\n(1) To prevent fraud, the Plan may check the details the Member gives against public records and industry databases.\n(2) The Plan may contact previous insurers to confirm the Member's claims history.\n\n§ 22  Complaints\n(1) If the Member has a complaint, the Member should first contact the Plan's customer relations team, quoting the policy number.\n(2) The Plan will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Member remains dissatisfied, the Member may be able to refer the complaint to an independent ombudsman service.\n\n§ 23  Waiver\n(1) If the Plan does not enforce any term of this policy, that does not mean the Plan has given up the right to enforce it later.\n\n§ 24  Payment of claims\n(1) The Plan will pay claims by bank transfer to an account in the Member's name.\n(2) The Plan aims to pay accepted claims within 5 working days of receiving all the documents the Plan needs.\n\n§ 25  Eligibility\n(1) Employees who work at least 20 hours a week are eligible to join the plan from their first day of employment.\n(2) Contractors, agency workers and employees on unpaid leave of more than three months are not eligible.\n\n§ 26  Notices\n(1) Any notice the Plan gives under this policy will be sent to the most recent postal or email address the Plan holds.\n(2) Notices from the Member should be sent to the address shown in the schedule.\n\n§ 27  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 28  Making a claim\n(1) The Member must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Member must notify the Plan of a claim within 14 days of the treatment. The Plan will not pay any claim notified after that time.\n(3) The Plan may appoint a loss adjuster to investigate any claim.\n\n§ 29  Subrogation\n(1) The Plan will be entitled to take over and conduct in the Member's name the defence or settlement of any claim.\n(2) The Plan can take action in the Member's name to recover any payment the Plan makes from anyone responsible for the loss.\n\n=== CLAIM ===\nClaim summary: Bram Tanaka; policy D250611; policy start 5 February 2026; schedule covers Dental Care, Vision Care, Therapy Services, Hearing Care; extensions none. Section claimed: Hearing Care, for a pair of hearing aids. Treatment date 10 May 2026; notified 23 May 2026; assessed loss $1,520.75. Facts: An audiologist recommended the purchase after a hearing test. Bram's previous plan-funded hearing aids were bought 26 months before this claim. Bram submitted receipts through the benefits portal. Bram's spouse is also enrolled in the plan.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_less_fee": "Pay the assessed loss less the deductible", "deny_replacement": "Decline under the early replacement exclusion (§ 12(4))", "deny_late": "Decline: the claim was notified too late (§ 28(2))", "pay_sublimit": "Pay up to the Hearing accessories sublimit (§ 12(3))", "pay_limit": "Pay up to the Hearing Care limit"}, "src": "hard_long_policy", "label": "pay_limit"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$50", "b": "$1,520.75", "c": "$900", "d": "$1,000", "e": "$1,420.75"}, "src": "hard_long_policy", "label": "d"}}, "_meta": {"id": "hard-v1/long_policy/development/00011", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00011", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "benefits", "target": "pay_limit", "category": "hearing", "tempting": "replacement", "facts": {"domain": "benefits", "fee_order": "before", "notice_days": 14, "categories": {"dental": {"limit": 2000, "fee": 100, "waiting": 90, "purchased": true}, "vision": {"limit": 500, "fee": 25, "waiting": 0, "purchased": true}, "therapy": {"limit": 1000, "fee": 75, "waiting": 0, "purchased": true}, "hearing": {"limit": 1000, "fee": 100, "waiting": 0, "purchased": true}}, "classes": {"major": {"category": "dental", "cap": 500}, "ortho": {"category": "dental", "cap": 600}, "frames": {"category": "vision", "cap": 120}, "massage": {"category": "therapy", "cap": 300}, "accessories": {"category": "hearing", "cap": 150}}, "exclusions": [{"key": "cosmetic", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "out_of_network", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "non_prescription", "categories": ["vision"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "frequency", "categories": ["vision"], "kind": "threshold", "thr": 12, "cmp": "lt", "has_exception": false}, {"key": "work_injury", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unregistered", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "replacement", "categories": ["hearing"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}], "case": {"category": "hearing", "item": "the hearing aids", "item_class": null, "loss_cents": 152075, "start": "2026-02-05", "incident": "2026-05-10", "reported": "2026-05-23", "conditions": {}, "values": {"replacement": 26}, "exceptions": {}}, "options_q": {"outcome": {"pay_less_fee": "pay_less_fee", "deny_replacement": "deny_replacement", "deny_late": "deny_late", "pay_sublimit": "pay_sublimit", "pay_limit": "pay_limit"}, "amount": {"a": 5000, "b": 152075, "c": 90000, "d": 100000, "e": 142075}}}, "text_sha256": "db1757e49d736505fc12679b3a96b9ad6e89c3dbfbf139cad0c5fb3303971f5b", "state_tokens": 2587}}
{"state": "MEMO\nRe: Shipping\n\nOrders ship free when the order total after all discounts is at least $100.00; otherwise the standard shipping fee applies. Aiko Kowalski's basket totals $104.16 before discounts. The coupon Aiko applied took $15.00 off.\n\nThe basket contains three items from the same warehouse. Aiko chose standard delivery.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "free_shipping": "Ship the order free", "standard_shipping": "Charge the standard shipping fee"}, "src": "hard_ambiguous", "label": "standard_shipping"}}, "_meta": {"id": "hard-v1/ambiguous/development/00070", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00070", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "shipping", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "shipping", "insufficient_key": "not_enough_information", "params": {"threshold_cents": 10000, "subtotal_cents": 10416, "discount_cents": 1500}, "deciding_present": true, "options_q": {"decision": {"not_enough_information": "not_enough_information", "free_shipping": "free_shipping", "standard_shipping": "standard_shipping"}}}, "text_sha256": "7e4de7d632b2b336893a90148606e09b935beba639c7d6588da61e227af3ea8d", "state_tokens": 85}}
{"state": "HOUSEHOLD CONTENTS COVER: POLICY BOOKLET\nIssued by Oakfield Assurance\nIn this policy, \"the Insurer\" means Oakfield Assurance and \"the Policyholder\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Art and antiques means paintings, antiques, rugs and other works of art.\n(2) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(3) Bicycles means bicycles and electric scooters.\n(4) Business day means Monday to Friday, excluding public holidays.\n(5) Contents means household goods and personal possessions that belong to the Policyholder or the Policyholder's family.\n(6) Family means the Policyholder's spouse or partner and any children who live with the Policyholder.\n(7) Forcible entry means entry to the home that leaves visible damage to doors, windows or locks.\n(8) Garden items means garden furniture, plants and outdoor tools.\n(9) High-risk items means jewellery, watches, laptops, games consoles and cameras.\n(10) Home means the private residence at the address shown in the schedule.\n(11) Limit means the most the Insurer will pay for all claims under a section arising from one incident.\n(12) Outbuilding means a shed, garage or greenhouse within the boundaries of the home.\n(13) Policy period means twelve months from the policy start date shown in the Policyholder's schedule.\n(14) Portable electronics means laptops, tablets and mobile phones.\n(15) Premium means the amount the Policyholder must pay for this policy, including any taxes.\n(16) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(17) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(18) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(19) Unoccupied means not lived in by the Policyholder or a member of the Policyholder's family for more than 60 consecutive days.\n\n§ 2  Limits and excess\n(1) Theft: limit $10,000 per incident; excess $250 per claim.\n(2) Escape of Water: limit $15,000 per incident; excess $250 per claim.\n(3) Accidental Damage: limit $2,000 per incident; excess $100 per claim.\n(4) Flood: limit $40,000 per incident; excess $1,000 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Reasonable precautions\n(1) The Policyholder must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Policyholder must take reasonable steps to recover lost or stolen property.\n\n§ 4  Cancellation\n(1) The Policyholder can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Policyholder can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $15.\n(3) The Insurer can cancel this policy by giving the Policyholder 30 days' written notice to the last address the Insurer holds.\n\n§ 5  Complaints\n(1) If the Policyholder has a complaint, the Policyholder should first contact the Insurer's customer relations team, quoting the policy number.\n(2) The Insurer will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Policyholder remains dissatisfied, the Policyholder may be able to refer the complaint to an independent ombudsman service.\n\n§ 6  Theft\n(1) The Insurer will pay for contents stolen from the Policyholder's home.\n(2) The most the Insurer will pay for High-risk items under this section is $2,500 per incident.\n(3) The most the Insurer will pay for Bicycles under this section is $500 per incident.\n(4) The Insurer will not pay for theft while the home is unoccupied.\n(5) The Insurer will not pay for theft where there is no sign of forced entry to the home. This exclusion does not apply where the thief gained entry by deception, for example by posing as a utility worker.\n(6) The Insurer will not pay for theft from sheds, garages or other outbuildings. This exclusion does not apply if the outbuilding was locked and the theft involved forcible entry.\n\n§ 7  Changes in circumstances\n(1) The Policyholder must tell the Insurer as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Insurer may then change the premium or the terms of this policy, or cancel it.\n\n§ 8  Duty of fair presentation\n(1) The Policyholder must answer all questions the Insurer asks honestly and to the best of the Policyholder's knowledge.\n(2) If the Policyholder gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Policyholder gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 9  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 10  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 11  Escape of Water\n(1) The Insurer will pay for contents damaged by water escaping from a fixed pipe, tank or domestic appliance.\n(2) The most the Insurer will pay for Art and antiques under this section is $2,000 per incident.\n(3) The Insurer will not pay for damage caused by water leaking gradually over a period of time.\n(4) The Insurer will not pay for damage caused by the failure of grout or sealant around baths and showers.\n\n§ 12  Optional cover: Accidental Damage\n(1) The Insurer will pay for sudden and unexpected accidental damage to the Policyholder's contents inside the home.\n(2) This section applies only if it is shown as purchased in the Policyholder's schedule.\n(3) The most the Insurer will pay for Portable electronics under this section is $750 per incident.\n(4) The Insurer will not pay for damage caused by pets.\n(5) The Insurer will not pay for wear and tear, or damage that happens gradually.\n\n§ 13  Payment of claims\n(1) The Insurer will pay claims by bank transfer to an account in the Policyholder's name.\n(2) The Insurer aims to pay accepted claims within 5 working days of receiving all the documents the Insurer needs.\n\n§ 14  Flood\n(1) The Insurer will pay for contents damaged by flood water entering the Policyholder's home.\n(2) No cover applies under this section to any incident that happens within the first 30 days after the policy start date.\n(3) The most the Insurer will pay for Garden items under this section is $1,000 per incident.\n(4) The Insurer will not pay for flood damage where a flood warning for the Policyholder's area had been issued before the policy started.\n\n§ 15  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 16  Cooperation\n(1) The Policyholder must give the Insurer all the help and information the Insurer reasonably need to settle a claim.\n(2) The Policyholder must not admit liability or offer to settle any claim without the Insurer's written permission.\n\n§ 17  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Policyholder to repay the amount.\n\n§ 18  Records and evidence\n(1) The Policyholder should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 19  Automatic renewal\n(1) Unless the Policyholder tells the Insurer otherwise, this policy will renew automatically at the end of the policy period using the payment details the Insurer holds.\n(2) The Policyholder can switch off automatic renewal at any time by contacting the Insurer's helpline.\n\n§ 20  Contents temporarily removed\n(1) The Policyholder's contents are covered while temporarily removed from the home to another building in the same country, for up to 60 days.\n(2) Contents in a student hall of residence are covered only if the student is a member of the Policyholder's family.\n\n§ 21  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 22  Market conditions\n(1) If the replacement item is no longer available, the Insurer will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 23  General exclusions\n(1) The Insurer will not pay for any deliberate or criminal act by the Policyholder.\n(2) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n(3) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(4) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n\n§ 24  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 25  Making a claim\n(1) The Insurer may appoint a loss adjuster to investigate any claim.\n(2) The Policyholder must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Policyholder must notify the Insurer of a claim within 90 days of the incident. The Insurer will not pay any claim notified after that time.\n\n§ 26  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Policyholder must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 27  Assignment\n(1) The Policyholder cannot transfer the Policyholder's interest in this policy to anyone else without the Insurer's written consent.\n\n§ 28  Tenant's improvements\n(1) If the Policyholder rents the home, the Insurer will pay for damage to fixtures and fittings that the Policyholder installed and are responsible for.\n(2) This cover applies only to improvements the Policyholder paid for, not to items provided by the landlord.\n\n§ 29  Environmental commitment\n(1) Where practical, the Insurer will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Policyholder may ask for a new part instead, and the Insurer will tell the Policyholder whether any additional cost would apply.\n\n=== CLAIM ===\nClaim summary: Esme Iyer; policy D971890; policy start 10 February 2025; schedule covers Theft, Escape of Water, Flood; extensions none. Section claimed: Flood, for furniture and appliances on the ground floor. Incident date 22 July 2025; notified 23 September 2025; assessed loss $42,731. Facts: A flood warning for the area had been issued three days before the policy start date. Esme has lived at the property for four years.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_late": "Decline: the claim was notified too late (§ 25(3))", "pay_sublimit": "Pay up to the Garden items sublimit (§ 14(3))", "pay_limit": "Pay up to the Flood limit", "not_covered": "Decline: Flood is not a cover shown in the schedule", "deny_flood_warning": "Decline under the flood warnings exclusion (§ 14(4))"}, "src": "hard_long_policy", "label": "deny_flood_warning"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$0", "b": "$42,731", "c": "$40,000", "d": "$41,731", "e": "$39,000"}, "src": "hard_long_policy", "label": "a"}}, "_meta": {"id": "hard-v1/long_policy/development/00085", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00085", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "home", "target": "deny_exclusion", "category": "flood", "tempting": null, "facts": {"domain": "home", "fee_order": "before", "notice_days": 90, "categories": {"theft": {"limit": 10000, "fee": 250, "waiting": 0, "purchased": true}, "water": {"limit": 15000, "fee": 250, "waiting": 0, "purchased": true}, "accidental": {"limit": 2000, "fee": 100, "waiting": 0, "purchased": false}, "flood": {"limit": 40000, "fee": 1000, "waiting": 30, "purchased": true}}, "classes": {"high_risk": {"category": "theft", "cap": 2500}, "bicycles": {"category": "theft", "cap": 500}, "art": {"category": "water", "cap": 2000}, "portable": {"category": "accidental", "cap": 750}, "garden": {"category": "flood", "cap": 1000}}, "exclusions": [{"key": "unoccupied", "categories": ["theft"], "kind": "threshold", "thr": 60, "cmp": "gt", "has_exception": false}, {"key": "no_forced_entry", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "outbuilding", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "gradual", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "sealant", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pets", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear_home", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "flood_warning", "categories": ["flood"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "flood", "item": "the furniture and appliances", "item_class": null, "loss_cents": 4273100, "start": "2025-02-10", "incident": "2025-07-22", "reported": "2025-09-23", "conditions": {"flood_warning": true}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"deny_late": "deny_late", "pay_sublimit": "pay_sublimit", "pay_limit": "pay_limit", "not_covered": "not_covered", "deny_flood_warning": "deny_flood_warning"}, "amount": {"a": 0, "b": 4273100, "c": 4000000, "d": 4173100, "e": 3900000}}}, "text_sha256": "0ec3e0d0a33e02a118b583b6e18584c64be29573859258c07cc0913d119a18ce", "state_tokens": 2746}}
{"state": "REVIEW REQUEST\nItem: A shop bought 204 units at $18.72 each and later 234 units at $2.63 each. What is the average cost per unit across all units bought, to the nearest cent?\nSubmitted result: Pretty sure it's $10.12", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$10.12", "b": "$10.68", "c": "$2,217.15", "d": "$11.23", "e": "$10.13"}, "src": "hard_judge", "label": "a"}}, "_meta": {"id": "hard-v1/judge/development/00084", "source": "hard_judge", "group_id": "hard-v1/judge/development/00084", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "wavg", "error": null, "facts": {"kind": "wavg", "args": {"n1": 204, "p1": "468/25", "n2": 234, "p2": "263/100"}, "dp": 2, "proposed": 1012, "error": null, "options_q": {"value": {"a": 1012, "b": 1068, "c": 221715, "d": 1123, "e": 1013}}}, "text_sha256": "eb7864c32144b8a0a3407715f7df8389fc8546595d4b85e40e5c747f06c9cbb4", "state_tokens": 68}}
{"state": "REVIEW REQUEST\nItem: Convert 297 miles to kilometres (1 mile = 1.609344 km). Give the answer to one decimal place.\nSubmitted result: 478.0 kilometres", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "184.5 kilometres", "b": "478.0 kilometres", "c": "478.1 kilometres", "d": "4,779.8 kilometres", "e": "479.0 kilometres"}, "src": "hard_judge", "label": "b"}}, "_meta": {"id": "hard-v1/judge/development/00004", "source": "hard_judge", "group_id": "hard-v1/judge/development/00004", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "convert", "error": null, "facts": {"kind": "convert", "args": {"x": "297", "factor": "25146/15625", "offset": 0}, "dp": 1, "proposed": 4780, "error": null, "options_q": {"value": {"a": 1845, "b": 4780, "c": 4781, "d": 47798, "e": 4790}}}, "text_sha256": "fdff16d4db8d5fc57d4bc6c572d10e950fde0baafead5c11e729f52442c42f8a", "state_tokens": 48}}
{"state": "SPEC SHEET: a CI/CD provider for the platform team\nBuildkite Lite | monthly cost=$2,500 | median build time=7 minutes | parallel jobs=20 jobs | ease of use score=9/10 | vendor stability score=5/10 | reliability score=7/10 | self-hosted runners=yes | SSO login=no\nPipewright | monthly cost=$1,275 | median build time=12 minutes | parallel jobs=42 jobs | ease of use score=4/10 | vendor stability score=9/10 | reliability score=10/10 | self-hosted runners=yes | SSO login=yes\nTessel Build | monthly cost=$600 | median build time=7 minutes | parallel jobs=22 jobs | ease of use score=7/10 | vendor stability score=3/10 | reliability score=7/10 | self-hosted runners=no | SSO login=yes\nR1: its parallel jobs must be at least 42 jobs\nSelection: Each option has been scored from 1 to 10 on ease of use, vendor stability and reliability (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 60% ease of use, 25% vendor stability, 15% reliability.", "questions": {"choice": {"type": "choice", "instructions": "Which provider best satisfies the brief?", "criteria": {"pipewright": null, "buildkite_lite": null, "tessel_build": null}, "src": "hard_tradeoff", "label": "pipewright"}, "meets": {"type": "noul", "instructions": "Does Tessel Build pass the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00038", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00038", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "provider", "none_case": false, "facts": {"rule": "weighted", "options": {"Buildkite Lite": {"cost": 2500, "build": 7, "concurrency": 20, "selfhosted": true, "sso": false, "ease of use": 9, "vendor stability": 5, "reliability": 7}, "Pipewright": {"cost": 1275, "build": 12, "concurrency": 42, "selfhosted": true, "sso": true, "ease of use": 4, "vendor stability": 9, "reliability": 10}, "Tessel Build": {"cost": 600, "build": 7, "concurrency": 22, "selfhosted": false, "sso": true, "ease of use": 7, "vendor stability": 3, "reliability": 7}}, "constraints": [{"attr": "concurrency", "op": ">=", "value": 42}], "priority": [], "weights": {"ease of use": 60, "vendor stability": 25, "reliability": 15}, "years": null, "check": "Tessel Build", "options_q": {"choice": {"pipewright": "pipewright", "buildkite_lite": "buildkite_lite", "tessel_build": "tessel_build"}}}, "text_sha256": "adc3f0c1af2acb2cc0e15263d7443fb0095232bc2b5b9a045975f2a45f2fc263", "state_tokens": 290}}
{"state": "MEMO\nRe: Recurring schedule\n\nRent is collected on day 20 of each month; if that day falls on a Saturday or Sunday, it is collected on the Friday before. March 1, 2027 is a Monday. Question concerns the collection in March 2027.", "questions": {"date": {"type": "choice", "instructions": "Date of the requested occurrence:", "criteria": {"a": "20 March 2027", "b": "19 March 2027", "c": "21 March 2027", "d": "17 March 2027", "e": "22 March 2027"}, "src": "hard_temporal_numeric", "label": "b"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00092", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00092", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "recurring_monthly_rollback", "facts": {"kind": "recurring", "pattern": "monthly_rollback", "year": 2027, "month": 3, "dom": 20, "options_q": {"date": {"a": "2027-03-20", "b": "2027-03-19", "c": "2027-03-21", "d": "2027-03-17", "e": "2027-03-22"}}}, "text_sha256": "f5b668bafde4b0a0b70bf8234cd0bac223577ee699c5a7a1310b5b7bf9302938", "state_tokens": 64}}
{"state": "SPEC SHEET: a managed cloud provider for the analytics platform\nHalcyon Compute | monthly cost=$5,000 | p95 latency=55 ms | uptime commitment=99.71% | SOC 2 Type II report=no | EU data residency=yes\nNimbus | monthly cost=$2,800 | p95 latency=80 ms | uptime commitment=99.72% | SOC 2 Type II report=no | EU data residency=no\nCorelink | monthly cost=$1,650 | p95 latency=155 ms | uptime commitment=99.59% | SOC 2 Type II report=yes | EU data residency=no\nR1: it must offer EU data residency\nR2: its uptime commitment must be at least 99.72%\nSelection: Among the options that meet every requirement, choose the one with the lowest monthly cost; if two or more are tied on monthly cost, choose the one with the lowest p95 latency.", "questions": {"choice": {"type": "choice", "instructions": "Which provider best satisfies the brief?", "criteria": {"none_qualifies": "Reject all options: none meets the requirements", "corelink": null, "halcyon_compute": null, "nimbus": null}, "src": "hard_tradeoff", "label": "none_qualifies"}, "meets": {"type": "noul", "instructions": "Does Nimbus pass the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00093", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00093", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "provider", "none_case": true, "facts": {"rule": "lex", "options": {"Halcyon Compute": {"cost": 5000, "latency": 55, "uptime": 9971, "soc2": false, "eu": true}, "Nimbus": {"cost": 2800, "latency": 80, "uptime": 9972, "soc2": false, "eu": false}, "Corelink": {"cost": 1650, "latency": 155, "uptime": 9959, "soc2": true, "eu": false}}, "constraints": [{"attr": "eu", "op": "is", "value": true}, {"attr": "uptime", "op": ">=", "value": 9972}], "priority": [["cost", "lower"], ["latency", "lower"]], "weights": {}, "years": null, "check": "Nimbus", "options_q": {"choice": {"none_qualifies": "none_qualifies", "corelink": "corelink", "halcyon_compute": "halcyon_compute", "nimbus": "nimbus"}}}, "text_sha256": "43ee6c398e7ae25a92bcaf94f21e499dbff2a8a2b41fda87d5c2ab2ae38cea90", "state_tokens": 216}}
{"state": "REVIEW REQUEST\nItem: Convert 473 litres to US gallons (1 US gallon = 3.785411784 litres). Give the answer to one decimal place.\nSubmitted result: 125.0 US gallons", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "125.0 US gallons", "b": "1,249.5 US gallons", "c": "125.1 US gallons", "d": "126.0 US gallons", "e": "1,790.5 US gallons"}, "src": "hard_judge", "label": "a"}}, "_meta": {"id": "hard-v1/judge/development/00053", "source": "hard_judge", "group_id": "hard-v1/judge/development/00053", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "convert", "error": null, "facts": {"kind": "convert", "args": {"x": "473", "factor": "125000000/473176473", "offset": 0}, "dp": 1, "proposed": 1250, "error": null, "options_q": {"value": {"a": 1250, "b": 12495, "c": 1251, "d": 1260, "e": 17905}}}, "text_sha256": "e5b658b89a294e64f5b49fbaf4767d5dc43476dd98b6ac9775d6fb4519c63fb0", "state_tokens": 54}}
{"state": "MEMO\nRe: Alert precision\n\nA security system raises alerts on login attempts. Historically, five percent of login attempts are malicious. When one of the login attempts is malicious, the system raises an alert on it eighty percent of the time.\n\nWhen one of the login attempts is not malicious, the system still raises an alert on it fifteen percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that one of the login attempts that the system has raised an alert on is actually malicious?", "criteria": {"a": "21.9%", "b": "80.0%", "c": "4.0%", "d": "85.0%", "e": "5.0%"}, "src": "hard_probability", "label": "a"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that one of the login attempts that the system has raised an alert on is malicious?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 1}}, "_meta": {"id": "hard-v1/probability/development/00070", "source": "hard_probability", "group_id": "hard-v1/probability/development/00070", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "bayes", "facts": {"kind": "bayes", "p": {"base": "5/100", "sens": "80/100", "fpr": "15/100"}, "options_q": {"value": {"a": 219, "b": 800, "c": 40, "d": 850, "e": 50}}, "qid2": "bucket"}, "text_sha256": "cfda5da41ef230b85a940ad3f8c10a5d140a92a708745e2107094dfb5d585d01", "state_tokens": 75}}
{"state": "MEMO\nRe: Group structure\n\nAn entity controls a company if it holds more than 50% of that company's shares, counting shares it holds directly and shares held by companies it controls. Juno Capital owns 41% of Hollis Investments. Aldermoor Holdings owns 38% of Hollis Investments.\n\nCresta Group owns 21% of Ivel Holdings. Ivel Holdings owns 21% of Hollis Investments. Garrow Trust owns 79% of Ivel Holdings.", "questions": {"controller": {"type": "choice", "instructions": "Name the ultimate controller of Hollis Investments.", "criteria": {"juno_capital": null, "aldermoor_holdings": null, "ivel_holdings": null, "garrow_trust": null, "no_controller": "No entity controls it"}, "src": "hard_multi_hop", "label": "no_controller"}, "interest": {"type": "choice", "instructions": "What is Garrow Trust's effective economic interest in Hollis Investments (its share of Hollis Investments's profits through all holdings)?", "criteria": {"a": "33.2%", "b": "62.0%", "c": "16.6%", "d": "21.0%", "e": "79.0%"}, "src": "hard_multi_hop", "label": "c"}}, "_meta": {"id": "hard-v1/multi_hop/development/00060", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00060", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "ownership", "shape": "none", "facts": {"kind": "ownership", "stakes": {"Ivel Holdings": {"Garrow Trust": "79/100", "Cresta Group": "21/100"}, "Hollis Investments": {"Ivel Holdings": "21/100", "Aldermoor Holdings": "38/100", "Juno Capital": "41/100"}}, "candidates": ["Garrow Trust", "Aldermoor Holdings", "Ivel Holdings", "Juno Capital"], "target": "Hollis Investments", "top": "Garrow Trust", "options_q": {"controller": {"juno_capital": "juno_capital", "aldermoor_holdings": "aldermoor_holdings", "ivel_holdings": "ivel_holdings", "garrow_trust": "garrow_trust", "no_controller": "no_controller"}, "interest": {"a": 332, "b": 620, "c": 166, "d": 210, "e": 790}}}, "text_sha256": "77eace4f39d2d1bd24c08acf43a6f3ba7c238abf3a2c6aac71d70f9791dc6e29", "state_tokens": 108}}
{"state": "MEMO\nRe: Quarterly breakdown\n\nCounts of checkout sessions yesterday by device and outcome: mobile: 166 abandoned cart, 398 completed purchase. desktop: 341 abandoned cart, 361 completed purchase.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, Among records that were abandoned cart, what share came from desktop?", "criteria": {"a": "55.5%", "b": "48.6%", "c": "26.9%", "d": "40.0%", "e": "67.3%"}, "src": "hard_probability", "label": "e"}}, "_meta": {"id": "hard-v1/probability/development/00051", "source": "hard_probability", "group_id": "hard-v1/probability/development/00051", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "table", "facts": {"kind": "table", "p": {}, "counts": {"mobile": {"abandoned cart": 166, "completed purchase": 398}, "desktop": {"abandoned cart": 341, "completed purchase": 361}}, "row": "desktop", "col": "abandoned cart", "ask": "row_given_col", "options_q": {"value": {"a": 555, "b": 486, "c": 269, "d": 400, "e": 673}}}, "text_sha256": "4c7ac900be2200148d28cb256d2c221f37dca8da140eced0b654c8a2642950c2", "state_tokens": 50}}
{"state": "MEMO\nRe: Return window\n\nReturns are accepted if the return request is made within 45 days of delivery. Petra Moreau ordered a standing desk on April 26, 2026. Petra asked to return it on June 17, 2026.\n\nThe desk is unused and in its original packaging.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"reject_return": "Reject the return as outside the window", "accept_return": "Accept the return", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00051", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00050", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "return_window", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": false, "facts": {"scenario": "return_window", "insufficient_key": "not_enough_information", "params": {"window": 45, "order": "2026-04-26", "delivered": null, "request": "2026-06-17"}, "deciding_present": false, "options_q": {"decision": {"reject_return": "reject_return", "accept_return": "accept_return", "not_enough_information": "not_enough_information"}}}, "text_sha256": "6b9bd705715ffa2af83afae6f61bf266d5602ec50add2547d1487751977ca929", "state_tokens": 72}}
{"state": "REVIEW REQUEST\nItem: Monthly active users went from 1,158 to 1,481. What is the percentage change, to one decimal place (negative for a decrease)?\nSubmitted result: Answer: 27.9%", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "27.9%", "b": "323.0%", "c": "127.9%", "d": "-27.9%", "e": "21.8%"}, "src": "hard_judge", "label": "a"}}, "_meta": {"id": "hard-v1/judge/development/00068", "source": "hard_judge", "group_id": "hard-v1/judge/development/00068", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "pct_change", "error": null, "facts": {"kind": "pct_change", "args": {"old": 1158, "new": 1481}, "dp": 1, "proposed": 279, "error": null, "options_q": {"value": {"a": 279, "b": 3230, "c": 1279, "d": -279, "e": 218}}}, "text_sha256": "4692ddf9dcc0c352cb111e435ea773e89df05f7f4fd8870e647525e14821a23c", "state_tokens": 53}}
{"state": "REVIEW REQUEST\nItem: An order has 7 notebooks at $54.13 each and 2 desk lamps at $51.56 each. A 5% discount applies to the whole order, and then 8% sales tax is added. What is the final total, to the nearest cent?\nSubmitted result: $515.19", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$441.66", "b": "$457.93", "c": "$500.13", "d": "$494.56", "e": "$496.49"}, "src": "hard_judge", "label": "d"}}, "_meta": {"id": "hard-v1/judge/development/00040", "source": "hard_judge", "group_id": "hard-v1/judge/development/00040", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "order", "error": "flat_discount", "facts": {"kind": "order", "args": {"q1": 7, "p1": "5413/100", "q2": 2, "p2": "1289/25", "d": "1/20", "tax": "2/25"}, "dp": 2, "proposed": 51519, "error": "flat_discount", "options_q": {"value": {"a": 44166, "b": 45793, "c": 50013, "d": 49456, "e": 49649}}}, "text_sha256": "0d78617221ed962cf04e879d406067c44de46bf785c45000f9792a201195edf5", "state_tokens": 77}}
{"state": "REVIEW REQUEST\nItem: After a 25% discount, a jacket costs $60.00. What was the price before the discount, to the nearest cent?\nSubmitted result: $80.00", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$45.00", "b": "$75.00", "c": "$85.00", "d": "$80.01", "e": "$80.00"}, "src": "hard_judge", "label": "e"}}, "_meta": {"id": "hard-v1/judge/development/00080", "source": "hard_judge", "group_id": "hard-v1/judge/development/00080", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "reverse_pct", "error": null, "facts": {"kind": "reverse_pct", "args": {"after": "60", "p": "1/4"}, "dp": 2, "proposed": 8000, "error": null, "options_q": {"value": {"a": 4500, "b": 7500, "c": 8500, "d": 8001, "e": 8000}}}, "text_sha256": "238c8c725ece85c9ba97aa36a2db4682c8e918319be022a0483a01ffc819760d", "state_tokens": 47}}
{"state": "MEMO\nRe: Recurring schedule\n\nRent is collected on day 20 of each month; if that day falls on a Saturday or Sunday, it is collected on the Friday before. April 1, 2027 is a Thursday. Question concerns the collection in April 2027.", "questions": {"date": {"type": "choice", "instructions": "Date of the requested occurrence:", "criteria": {"a": "21 April 2027", "b": "26 April 2027", "c": "20 April 2027", "d": "17 April 2027", "e": "19 April 2027"}, "src": "hard_temporal_numeric", "label": "c"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00010", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00010", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "recurring_monthly_rollback", "facts": {"kind": "recurring", "pattern": "monthly_rollback", "year": 2027, "month": 4, "dom": 20, "options_q": {"date": {"a": "2027-04-21", "b": "2027-04-26", "c": "2027-04-20", "d": "2027-04-17", "e": "2027-04-19"}}}, "text_sha256": "318ff703ce6e09a702cca8a83f9a7c8f52fc54e2368f6249794341c4fc72f42f", "state_tokens": 64}}
{"state": "MEMO\nRe: Price match\n\nWe match a competitor's lower price for an identical item if the competitor has it in stock at the time of the request, but we never match a price more than 15% below ours. If the competitor's price is not lower, no adjustment is needed. Greta Bauer asked us to match Riverside Dental's price for the same blender model. Our price is $268.00; Riverside Dental lists it at $299.00.\n\nRiverside Dental had the blender in stock when Greta asked. Greta is a returning customer.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "decline_match": "Decline the price match", "match_price": "Match the competitor's price", "no_adjustment": "No adjustment needed"}, "src": "hard_ambiguous", "label": "no_adjustment"}}, "_meta": {"id": "hard-v1/ambiguous/development/00034", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00034", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "price_match", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "price_match", "insufficient_key": "not_enough_information", "params": {"ours_cents": 26800, "theirs_cents": 29900, "max_gap_pct": 15, "in_stock": true}, "deciding_present": true, "options_q": {"decision": {"not_enough_information": "not_enough_information", "decline_match": "decline_match", "match_price": "match_price", "no_adjustment": "no_adjustment"}}}, "text_sha256": "aae17417d5b493c3bfe5dc00eb9a4fd32f374164a1a51bfdccaf8ea152ae2d3c", "state_tokens": 125}}
{"state": "MEMO\nRe: Tenure\n\nEmployees are eligible for a sabbatical once they have completed 2 years of continuous employment with the company on the date they apply. Leila Whitfield applied for the sabbatical on 2027-01-22. Leila moved to the Identity team on 2026-06-27.\n\nLeila's manager supports the application.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_eligible": "Not yet eligible", "not_enough_information": "The information given is not enough to decide", "eligible": "Eligible for the sabbatical"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00015", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00014", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "tenure", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": false, "facts": {"scenario": "tenure", "insufficient_key": "not_enough_information", "params": {"years": 2, "apply": "2027-01-22", "hired": null, "moved": "2026-06-27"}, "deciding_present": false, "options_q": {"decision": {"not_eligible": "not_eligible", "not_enough_information": "not_enough_information", "eligible": "eligible"}}}, "text_sha256": "58bdd4442792b7f34e2ab16709f956f1a06d4a5162b48163c1c119b55aa95f7a", "state_tokens": 87}}
{"state": "SPEC SHEET: an office lease for the new Leeds team\nCanal Wharf | monthly rent=$13,100 | average commute=54 minutes | capacity=80 desks | one-time setup fee=$11,500 | on-site parking=yes | step-free access=no\nAlbion Court | monthly rent=$5,000 | average commute=18 minutes | capacity=22 desks | one-time setup fee=$9,000 | on-site parking=no | step-free access=yes\nPark Row | monthly rent=$9,700 | average commute=68 minutes | capacity=73 desks | one-time setup fee=$1,500 | on-site parking=yes | step-free access=no\nStation House | monthly rent=$5,400 | average commute=29 minutes | capacity=67 desks | one-time setup fee=$20,500 | on-site parking=no | step-free access=yes\nR1: its capacity must be at least 67 desks\nR2: it must offer step-free access\nSelection: Among the options that meet every requirement, choose the lowest total cost over 2 years: the one-time setup fee plus 2 years of the monthly cost.", "questions": {"choice": {"type": "choice", "instructions": "Which office best satisfies the brief?", "criteria": {"albion_court": null, "none_qualifies": "None of the options meets every requirement", "park_row": null, "station_house": null, "canal_wharf": null}, "src": "hard_tradeoff", "label": "station_house"}, "meets": {"type": "noul", "instructions": "Does Station House meet every hard requirement?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00018", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00018", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "tco", "context": "office", "none_case": false, "facts": {"rule": "tco", "options": {"Canal Wharf": {"cost": 13100, "commute": 54, "desks": 80, "parking": true, "access": false, "setup": 11500}, "Albion Court": {"cost": 5000, "commute": 18, "desks": 22, "parking": false, "access": true, "setup": 9000}, "Park Row": {"cost": 9700, "commute": 68, "desks": 73, "parking": true, "access": false, "setup": 1500}, "Station House": {"cost": 5400, "commute": 29, "desks": 67, "parking": false, "access": true, "setup": 20500}}, "constraints": [{"attr": "desks", "op": ">=", "value": 67}, {"attr": "access", "op": "is", "value": true}], "priority": [], "weights": {}, "years": 2, "check": "Station House", "options_q": {"choice": {"albion_court": "albion_court", "none_qualifies": "none_qualifies", "park_row": "park_row", "station_house": "station_house", "canal_wharf": "canal_wharf"}}}, "text_sha256": "81ab39a7d348439e48fedb14f92721fdb03cd43944c24859a25088698f6c4b51", "state_tokens": 262}}
{"state": "SPEC SHEET: a laptop model for the staff hardware refresh\nVector X1 | unit price=$780 | battery life=10 hours | weight=1.4 kg | documentation score=8/10 | reliability score=9/10 | ease of integration score=10/10 | three-year on-site warranty=no | built-in LTE=yes\nNova Air | unit price=$1,430 | battery life=13 hours | weight=2.4 kg | documentation score=4/10 | reliability score=3/10 | ease of integration score=9/10 | three-year on-site warranty=yes | built-in LTE=yes\nSlate Pro | unit price=$1,870 | battery life=6 hours | weight=2.4 kg | documentation score=8/10 | reliability score=3/10 | ease of integration score=10/10 | three-year on-site warranty=yes | built-in LTE=yes\nR1: its battery life must be at least 13 hours\nSelection: Each option has been scored from 1 to 10 on documentation, reliability and ease of integration (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 50% documentation, 30% reliability, 20% ease of integration.", "questions": {"choice": {"type": "choice", "instructions": "Which model best satisfies the brief?", "criteria": {"nova_air": null, "vector_x1": null, "slate_pro": null, "none_qualifies": "No option qualifies"}, "src": "hard_tradeoff", "label": "nova_air"}, "meets": {"type": "noul", "instructions": "Is Vector X1 compliant with all the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00032", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00032", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "model", "none_case": false, "facts": {"rule": "weighted", "options": {"Vector X1": {"cost": 780, "battery": 10, "weight": 14, "warranty": false, "lte": true, "documentation": 8, "reliability": 9, "ease of integration": 10}, "Nova Air": {"cost": 1430, "battery": 13, "weight": 24, "warranty": true, "lte": true, "documentation": 4, "reliability": 3, "ease of integration": 9}, "Slate Pro": {"cost": 1870, "battery": 6, "weight": 24, "warranty": true, "lte": true, "documentation": 8, "reliability": 3, "ease of integration": 10}}, "constraints": [{"attr": "battery", "op": ">=", "value": 13}], "priority": [], "weights": {"documentation": 50, "reliability": 30, "ease of integration": 20}, "years": null, "check": "Vector X1", "options_q": {"choice": {"nova_air": "nova_air", "vector_x1": "vector_x1", "slate_pro": "slate_pro", "none_qualifies": "none_qualifies"}}}, "text_sha256": "6c773541c54398ff4e622362102c8a6a971e8c0bdd34ac61b2360a0696afdd11", "state_tokens": 284}}
{"state": "SPEC SHEET: a marketing agency for the spring campaign\nNorthlight Studio | fee=$26,500 | lead time=12 weeks | portfolio rating=7/10 | support quality score=3/10 | reliability score=5/10 | ease of integration score=3/10 | B2B campaign experience=yes | in-house video production=no\nPaper Kite | fee=$27,500 | lead time=7 weeks | portfolio rating=10/10 | support quality score=7/10 | reliability score=10/10 | ease of integration score=7/10 | B2B campaign experience=no | in-house video production=yes\nSignal & Co | fee=$26,000 | lead time=3 weeks | portfolio rating=5/10 | support quality score=3/10 | reliability score=10/10 | ease of integration score=3/10 | B2B campaign experience=no | in-house video production=yes\nR1: its fee must be at most $25,500\nSelection: Each option has been scored from 1 to 10 on support quality, reliability and ease of integration (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 60% support quality, 25% reliability, 15% ease of integration.", "questions": {"choice": {"type": "choice", "instructions": "Which agency best satisfies the brief?", "criteria": {"signal_co": null, "none_qualifies": "No option qualifies", "paper_kite": null, "northlight_studio": null}, "src": "hard_tradeoff", "label": "none_qualifies"}, "meets": {"type": "noul", "instructions": "Does Signal & Co pass the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00057", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00057", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "agency", "none_case": true, "facts": {"rule": "weighted", "options": {"Northlight Studio": {"cost": 26500, "lead": 12, "portfolio": 7, "b2b": true, "inhouse": false, "support quality": 3, "reliability": 5, "ease of integration": 3}, "Paper Kite": {"cost": 27500, "lead": 7, "portfolio": 10, "b2b": false, "inhouse": true, "support quality": 7, "reliability": 10, "ease of integration": 7}, "Signal & Co": {"cost": 26000, "lead": 3, "portfolio": 5, "b2b": false, "inhouse": true, "support quality": 3, "reliability": 10, "ease of integration": 3}}, "constraints": [{"attr": "cost", "op": "<=", "value": 25500}], "priority": [], "weights": {"support quality": 60, "reliability": 25, "ease of integration": 15}, "years": null, "check": "Signal & Co", "options_q": {"choice": {"signal_co": "signal_co", "none_qualifies": "none_qualifies", "paper_kite": "paper_kite", "northlight_studio": "northlight_studio"}}}, "text_sha256": "d8f2f8dc7120e6046abc70fb982ccb533f44d877937ac8745a7ee0510603b4e8", "state_tokens": 299}}
{"state": "SPEC SHEET: an office lease for the new Leeds team\nAlbion Court | monthly rent=$6,000 | average commute=34 minutes | capacity=58 desks | one-time setup fee=$3,000 | on-site parking=no | step-free access=yes\nCanal Wharf | monthly rent=$6,200 | average commute=65 minutes | capacity=58 desks | one-time setup fee=$20,500 | on-site parking=yes | step-free access=yes\nWellington Place | monthly rent=$7,200 | average commute=26 minutes | capacity=57 desks | one-time setup fee=$3,000 | on-site parking=yes | step-free access=yes\nMill Yard | monthly rent=$8,300 | average commute=27 minutes | capacity=46 desks | one-time setup fee=$2,000 | on-site parking=yes | step-free access=yes\nR1: its capacity must be at least 60 desks\nSelection: Among the options that meet every requirement, choose the lowest total cost over 3 years: the one-time setup fee plus 3 years of the monthly cost.", "questions": {"choice": {"type": "choice", "instructions": "Which office best satisfies the brief?", "criteria": {"canal_wharf": null, "none_qualifies": "None of the options meets every requirement", "albion_court": null, "mill_yard": null, "wellington_place": null}, "src": "hard_tradeoff", "label": "none_qualifies"}, "meets": {"type": "noul", "instructions": "Is Mill Yard compliant with all the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00026", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00026", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "tco", "context": "office", "none_case": true, "facts": {"rule": "tco", "options": {"Albion Court": {"cost": 6000, "commute": 34, "desks": 58, "parking": false, "access": true, "setup": 3000}, "Canal Wharf": {"cost": 6200, "commute": 65, "desks": 58, "parking": true, "access": true, "setup": 20500}, "Wellington Place": {"cost": 7200, "commute": 26, "desks": 57, "parking": true, "access": true, "setup": 3000}, "Mill Yard": {"cost": 8300, "commute": 27, "desks": 46, "parking": true, "access": true, "setup": 2000}}, "constraints": [{"attr": "desks", "op": ">=", "value": 60}], "priority": [], "weights": {}, "years": 3, "check": "Mill Yard", "options_q": {"choice": {"canal_wharf": "canal_wharf", "none_qualifies": "none_qualifies", "albion_court": "albion_court", "mill_yard": "mill_yard", "wellington_place": "wellington_place"}}}, "text_sha256": "f91200d909aea415398539b1e034d2b421855f7cbe7df9148bf01d79b66f52b2", "state_tokens": 251}}
{"state": "HOUSEHOLD CONTENTS COVER: POLICY BOOKLET\nIssued by Hearthstone Insurance plc\nIn this policy, \"the Insurer\" means Hearthstone Insurance plc and \"the Policyholder\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Art and antiques means paintings, antiques, rugs and other works of art.\n(2) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(3) Bicycles means bicycles and electric scooters.\n(4) Business day means Monday to Friday, excluding public holidays.\n(5) Contents means household goods and personal possessions that belong to the Policyholder or the Policyholder's family.\n(6) Family means the Policyholder's spouse or partner and any children who live with the Policyholder.\n(7) Garden items means garden furniture, plants and outdoor tools.\n(8) High-risk items means jewellery, watches, laptops, games consoles and cameras.\n(9) Incident means a single event, or a series of events arising from one cause.\n(10) Outbuilding means a shed, garage or greenhouse within the boundaries of the home.\n(11) Policy period means twelve months from the policy start date shown in the Policyholder's schedule.\n(12) Portable electronics means laptops, tablets and mobile phones.\n(13) Premium means the amount the Policyholder must pay for this policy, including any taxes.\n(14) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(15) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(16) Schedule means the document issued with this policy that shows the Policyholder's details, the covers the Policyholder bought and any extensions.\n(17) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(18) Unoccupied means not lived in by the Policyholder or a member of the Policyholder's family for more than 30 consecutive days.\n\n§ 2  Limits and excess\n(1) Theft: limit $20,000 per incident; excess $100 per claim.\n(2) Escape of Water: limit $15,000 per incident; excess $500 per claim.\n(3) Accidental Damage: limit $5,000 per incident; excess $50 per claim.\n(4) Flood: limit $40,000 per incident; excess $500 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Escape of Water\n(1) The Insurer will pay for contents damaged by water escaping from a fixed pipe, tank or domestic appliance.\n(2) The most the Insurer will pay for Art and antiques under this section is $1,000 per incident.\n(3) The Insurer will not pay for damage caused by water leaking gradually over a period of time.\n(4) The Insurer will not pay for damage caused by the failure of grout or sealant around baths and showers.\n\n§ 4  Optional cover: Accidental Damage\n(1) The Insurer will pay for sudden and unexpected accidental damage to the Policyholder's contents inside the home.\n(2) This section applies only if it is shown as purchased in the Policyholder's schedule.\n(3) The most the Insurer will pay for Portable electronics under this section is $500 per incident.\n(4) The Insurer will not pay for damage caused by pets.\n(5) The Insurer will not pay for wear and tear, or damage that happens gradually.\n\n§ 5  Flood\n(1) The Insurer will pay for contents damaged by flood water entering the Policyholder's home.\n(2) No cover applies under this section to any incident that happens within the first 14 days after the policy start date.\n(3) The most the Insurer will pay for Garden items under this section is $1,000 per incident.\n(4) The Insurer will not pay for flood damage where a flood warning for the Policyholder's area had been issued before the policy started.\n\n§ 6  Theft\n(1) The Insurer will pay for contents stolen from the Policyholder's home.\n(2) The most the Insurer will pay for High-risk items under this section is $2,500 per incident.\n(3) The most the Insurer will pay for Bicycles under this section is $500 per incident.\n(4) The Insurer will not pay for theft while the home is unoccupied.\n(5) The Insurer will not pay for theft where there is no sign of forced entry to the home. This exclusion does not apply where the thief gained entry by deception, for example by posing as a utility worker.\n(6) The Insurer will not pay for theft from sheds, garages or other outbuildings. This exclusion does not apply if the outbuilding was locked and the theft involved forcible entry.\n\n§ 7  General exclusions\n(1) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n(2) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n(3) The Insurer will not pay for any deliberate or criminal act by the Policyholder.\n\n§ 8  Making a claim\n(1) The Policyholder must notify the Insurer of a claim within 60 days of the incident. The Insurer will not pay any claim notified after that time.\n(2) The Policyholder must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Insurer may appoint a loss adjuster to investigate any claim.\n\n§ 9  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 10  Records and evidence\n(1) The Policyholder should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 11  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 12  Customer support\n(1) The Insurer's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Policyholder can leave a message and the Insurer will call back on the next working day.\n\n§ 13  Freezer contents\n(1) The Insurer will pay for food in a domestic freezer that spoils because of a rise or fall in temperature.\n(2) The Insurer will not pay if the freezer is more than fifteen years old, or if the electricity supplier cut the supply deliberately.\n\n§ 14  Compensation scheme\n(1) The Insurer is covered by a financial services compensation scheme.\n(2) If the Insurer cannot meet the Insurer's obligations, the Policyholder may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 15  Reasonable precautions\n(1) The Policyholder must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Policyholder must take reasonable steps to recover lost or stolen property.\n\n§ 16  Renewal\n(1) The Insurer will write to the Policyholder at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 17  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Policyholder gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Policyholder's claims history.\n\n§ 18  Cooperation\n(1) The Policyholder must give the Insurer all the help and information the Insurer reasonably need to settle a claim.\n(2) The Policyholder must not admit liability or offer to settle any claim without the Insurer's written permission.\n\n§ 19  Contents temporarily removed\n(1) The Policyholder's contents are covered while temporarily removed from the home to another building in the same country, for up to 60 days.\n(2) Contents in a student hall of residence are covered only if the student is a member of the Policyholder's family.\n\n§ 20  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 21  Tenant's improvements\n(1) If the Policyholder rents the home, the Insurer will pay for damage to fixtures and fittings that the Policyholder installed and are responsible for.\n(2) This cover applies only to improvements the Policyholder paid for, not to items provided by the landlord.\n\n§ 22  Instalment agreements\n(1) If the Policyholder pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 23  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 24  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Policyholder to repay the amount.\n\n§ 25  Claims documents\n(1) The Policyholder must provide, at the Policyholder's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 26  Waiver\n(1) If the Insurer does not enforce any term of this policy, that does not mean the Insurer has given up the right to enforce it later.\n\n§ 27  Third-party administrators\n(1) The Insurer may appoint another company to handle claims or other services on the Insurer's behalf.\n(2) Any company the Insurer appoints must follow the terms of this policy and applicable data protection law.\n\n§ 28  Locks and keys\n(1) If the keys to the Policyholder's home are lost or stolen, the Insurer will pay the cost of replacing the locks to the outside doors.\n(2) The most the Insurer will pay under this clause is $500 for any one claim.\n\n=== CLAIM ===\nClaim summary: Chloe Bauer; policy T123110; policy start 22 April 2026; schedule covers Theft, Escape of Water, Flood; extensions none. Section claimed: Accidental Damage, for a television. Incident date 2 November 2026; notified 23 November 2026; assessed loss $210. Facts: Chloe knocked the television over while moving furniture. A neighbour reported the incident to the building manager. Chloe works from home three days a week. The building is a converted warehouse with six flats.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_less_fee": "Pay the assessed loss less the excess", "deny_waiting": "Decline: the incident happened during the waiting period (§ 5(2))", "deny_wear_home": "Decline under the wear and tear exclusion (§ 4(5))", "not_covered": "Decline: Accidental Damage is not a cover shown in the schedule", "deny_late": "Decline: the claim was notified too late (§ 8(1))"}, "src": "hard_long_policy", "label": "not_covered"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$5,000", "b": "$160", "c": "$4,950", "d": "$210", "e": "$0"}, "src": "hard_long_policy", "label": "e"}}, "_meta": {"id": "hard-v1/long_policy/development/00046", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00046", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "home", "target": "not_covered", "category": "accidental", "tempting": null, "facts": {"domain": "home", "fee_order": "before", "notice_days": 60, "categories": {"theft": {"limit": 20000, "fee": 100, "waiting": 0, "purchased": true}, "water": {"limit": 15000, "fee": 500, "waiting": 0, "purchased": true}, "accidental": {"limit": 5000, "fee": 50, "waiting": 0, "purchased": false}, "flood": {"limit": 40000, "fee": 500, "waiting": 14, "purchased": true}}, "classes": {"high_risk": {"category": "theft", "cap": 2500}, "bicycles": {"category": "theft", "cap": 500}, "art": {"category": "water", "cap": 1000}, "portable": {"category": "accidental", "cap": 500}, "garden": {"category": "flood", "cap": 1000}}, "exclusions": [{"key": "unoccupied", "categories": ["theft"], "kind": "threshold", "thr": 30, "cmp": "gt", "has_exception": false}, {"key": "no_forced_entry", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "outbuilding", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "gradual", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "sealant", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pets", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear_home", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "flood_warning", "categories": ["flood"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "accidental", "item": "the television", "item_class": null, "loss_cents": 21000, "start": "2026-04-22", "incident": "2026-11-02", "reported": "2026-11-23", "conditions": {}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"pay_less_fee": "pay_less_fee", "deny_waiting": "deny_waiting", "deny_wear_home": "deny_wear_home", "not_covered": "not_covered", "deny_late": "deny_late"}, "amount": {"a": 500000, "b": 16000, "c": 495000, "d": 21000, "e": 0}}}, "text_sha256": "1c82874fe415eac753517c92ec0905f2d5c32d90624fdf20e5b71d245e6449ab", "state_tokens": 2546}}
{"state": "MEMO\nRe: Reliability estimate\n\nAn order is confirmed if at least one of 4 redundant suppliers can fill it; each supplier's availability is independent of the others. Supplier A is able to fill an order ninety-seven percent of the time. Supplier B is able to fill an order eighty-five percent of the time.\n\nSupplier C is able to fill an order ninety-five percent of the time. Supplier D is able to fill an order seventy-five percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that at least one supplier can fill the order?", "criteria": {"a": "0.0%", "b": "41.3%", "c": "58.7%", "d": "75.0%", "e": "100.0%"}, "src": "hard_probability", "label": "e"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that at least one supplier can fill the order?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 5}}, "_meta": {"id": "hard-v1/probability/development/00090", "source": "hard_probability", "group_id": "hard-v1/probability/development/00090", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "independent", "facts": {"kind": "independent", "p": {}, "ps": ["97/100", "85/100", "95/100", "75/100"], "ask": "any", "options_q": {"value": {"a": 0, "b": 413, "c": 587, "d": 750, "e": 1000}}, "qid2": "bucket"}, "text_sha256": "95cd135fdb0aa77cc5188e0b843fe7f9226d4d56a33ce3f26e7b5c3f1fcfa692", "state_tokens": 97}}
{"state": "ANNUAL MULTI-TRIP TRAVEL COVER\nIssued by Bluewater Assurance\nIn this policy, \"the Insurer\" means Bluewater Assurance and \"the Insured Person\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Dental treatment means treatment of the teeth or gums.\n(2) Excursions and tickets means pre-booked excursions, tours, and event or theatre tickets.\n(3) Hazardous activity means skydiving, motor racing, or trekking or climbing above 3,000 metres.\n(4) Limit means the most the Insurer will pay for all claims under a section arising from one incident.\n(5) Physiotherapy means treatment of muscles and joints by a physiotherapist.\n(6) Pre-existing condition means any illness or injury for which the Insured Person received treatment or advice in the 6 months before the policy start date.\n(7) Qualifying delay means a delay to the scheduled departure of more than 8 hours.\n(8) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(9) Sports equipment means skis, snowboards, golf clubs, surfboards and bicycles.\n(10) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(11) Territory means the countries in which cover applies, as shown in the schedule.\n(12) Travelling companion means a person who has booked to travel with the Insured Person on the same trip.\n(13) Trip means a journey that starts and ends in the Insured Person's home country during the policy period.\n(14) Valuables means laptops, tablets, mobile phones, cameras, watches and jewellery.\n\n§ 2  Limits and excess\n(1) Baggage and Personal Belongings: limit $2,000 per incident; excess $100 per claim.\n(2) Emergency Medical Expenses: limit $10,000 per incident; excess $150 per claim.\n(3) Trip Cancellation: limit $2,000 per incident; excess $50 per claim.\n(4) Travel Delay: limit $300 per incident; excess $50 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Trip Cancellation\n(1) The Insurer will pay non-refundable travel and accommodation costs if the Insured Person must cancel the trip for a reason beyond the Insured Person's control.\n(2) No cover applies under this section to any incident that happens within the first 14 days after the policy start date.\n(3) The most the Insurer will pay for Excursions and tickets under this section is $200 per incident.\n(4) The Insurer will not pay for cancellation caused by a strike or other event that had been publicly announced before the Insured Person bought the policy.\n(5) The Insurer will not pay for cancellation because the Insured Person no longer wish to travel.\n\n§ 4  Baggage and Personal Belongings\n(1) The Insurer will pay for the loss of, theft of, or damage to the Insured Person's baggage and personal belongings during the trip.\n(2) The most the Insurer will pay for Valuables under this section is $250 per incident.\n(3) The most the Insurer will pay for Sports equipment under this section is $300 per incident.\n(4) The Insurer will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Insurer will not pay for loss caused by confiscation or detention by customs or other officials.\n(6) The Insurer will not pay for damage caused by wear and tear or gradual deterioration.\n\n§ 5  Emergency Medical Expenses\n(1) The Insurer will pay reasonable and necessary emergency medical costs incurred during the trip.\n(2) The most the Insurer will pay for Dental treatment under this section is $400 per incident.\n(3) The most the Insurer will pay for Physiotherapy under this section is $500 per incident.\n(4) The Insurer will not pay for treatment of a pre-existing condition.\n(5) The Insurer will not pay for injury or illness arising from a hazardous activity. This exclusion does not apply if the Adventure Sports extension is shown in the Insured Person's schedule.\n(6) The Insurer will not pay for any claim arising from the Insured Person's being under the influence of alcohol or drugs.\n\n§ 6  Optional cover: Travel Delay\n(1) The Insurer will pay reasonable costs of meals and accommodation if the Insured Person's outbound departure is delayed.\n(2) This section applies only if it is shown as purchased in the Insured Person's schedule.\n(3) The Insurer will not pay for any delay that is not a qualifying delay.\n\n§ 7  General exclusions\n(1) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n(2) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(3) The Insurer will not pay for any deliberate or criminal act by the Insured Person.\n\n§ 8  Making a claim\n(1) The Insured Person must notify the Insurer of a claim within 14 days of the incident. The Insurer will not pay any claim notified after that time.\n(2) The Insurer may appoint a loss adjuster to investigate any claim.\n(3) The Insured Person must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 9  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Insured Person gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Insured Person's claims history.\n\n§ 10  Records and evidence\n(1) The Insured Person should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 11  Changes in circumstances\n(1) The Insured Person must tell the Insurer as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Insurer may then change the premium or the terms of this policy, or cancel it.\n\n§ 12  Cooperation\n(1) The Insured Person must give the Insurer all the help and information the Insurer reasonably need to settle a claim.\n(2) The Insured Person must not admit liability or offer to settle any claim without the Insurer's written permission.\n\n§ 13  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 14  Third-party administrators\n(1) The Insurer may appoint another company to handle claims or other services on the Insurer's behalf.\n(2) Any company the Insurer appoints must follow the terms of this policy and applicable data protection law.\n\n§ 15  Complaints\n(1) If the Insured Person has a complaint, the Insured Person should first contact the Insurer's customer relations team, quoting the policy number.\n(2) The Insurer will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Insured Person remains dissatisfied, the Insured Person may be able to refer the complaint to an independent ombudsman service.\n\n§ 16  Change of address\n(1) The Insured Person must tell the Insurer within 30 days if the Insured Person changes the Insured Person's address.\n(2) The Insurer may change the premium or the terms from the date of the move.\n\n§ 17  Interest\n(1) The Insurer will not pay interest on any claim payment unless the law requires it.\n\n§ 18  Cancellation\n(1) The Insured Person can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Insured Person can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $15.\n(3) The Insurer can cancel this policy by giving the Insured Person 30 days' written notice to the last address the Insurer holds.\n\n§ 19  Rental car excess\n(1) If the Insured Person hires a car during the trip, the Insurer will reimburse any excess the Insured Person must pay to the hire company after accidental damage to the car.\n(2) This section applies only to cars hired from a licensed rental company under a written agreement.\n\n§ 20  Waiver\n(1) If the Insurer does not enforce any term of this policy, that does not mean the Insurer has given up the right to enforce it later.\n\n§ 21  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Insured Person to repay the amount.\n\n§ 22  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 23  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Insured Person should be sent to the address shown in the schedule.\n\n§ 24  Environmental commitment\n(1) Where practical, the Insurer will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Insured Person may ask for a new part instead, and the Insurer will tell the Insured Person whether any additional cost would apply.\n\n§ 25  Market conditions\n(1) If the replacement item is no longer available, the Insurer will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 26  Communication\n(1) The Insurer will communicate with the Insured Person in English.\n(2) The Insurer may record telephone calls for training and quality purposes.\n\n§ 27  Instalment agreements\n(1) If the Insured Person pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 28  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 29  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 30  Data protection\n(1) The Insurer will use the personal information the Insured Person provides to administer this policy and to handle claims.\n(2) The Insurer will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Insured Person can ask for a copy of the personal information the Insurer holds by writing to the Insurer's data protection officer.\n\n§ 31  Missed departure\n(1) The Insurer will pay reasonable additional travel and accommodation costs to reach the Insured Person's destination if the Insured Person arrives too late to board the Insured Person's booked transport because public transport fails.\n(2) The Insured Person must allow enough time to reach the departure point, and must obtain written confirmation of the delay from the transport operator.\n\n§ 32  Automatic renewal\n(1) Unless the Insured Person tells the Insurer otherwise, this policy will renew automatically at the end of the policy period using the payment details the Insurer holds.\n(2) The Insured Person can switch off automatic renewal at any time by contacting the Insurer's helpline.\n\n§ 33  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Insurer will pay only the Insurer's proportionate share.\n(2) The Insured Person must tell the Insurer about any other insurance that covers the same loss when the Insured Person makes a claim.\n\n§ 34  Subrogation\n(1) The Insurer will be entitled to take over and conduct in the Insured Person's name the defence or settlement of any claim.\n(2) The Insurer can take action in the Insured Person's name to recover any payment the Insurer makes from anyone responsible for the loss.\n\n§ 35  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 36  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 37  Renewal\n(1) The Insurer will write to the Insured Person at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 38  Duty of fair presentation\n(1) The Insured Person must answer all questions the Insurer asks honestly and to the best of the Insured Person's knowledge.\n(2) If the Insured Person gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Insured Person gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 39  Arbitration\n(1) If the Insurer accepts a claim but disagree with the Insured Person about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Insurer.\n\n§ 40  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Insured Person must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 41  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 42  Legal expenses abroad\n(1) The Insurer will pay legal costs to pursue compensation for the Insured Person's injury or death caused by a third party during the trip.\n(2) The Insurer will not pay legal costs unless the Insurer's legal adviser agrees that the claim has a reasonable prospect of success.\n\n§ 43  Inflation\n(1) The Insurer may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Insured Person's renewal documents; limits do not change during a policy period.\n\n§ 44  Electronic documents\n(1) The Insurer will send documents by email unless the Insured Person asks for paper copies.\n(2) The Insured Person must tell the Insurer if the Insured Person's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 45  Repatriation\n(1) If the Insurer's medical adviser agrees it is necessary, the Insurer will arrange and pay for the Insured Person to be brought home.\n(2) The Insurer will decide the method of transport and the time of repatriation after speaking to the treating doctor.\n\n§ 46  Compensation scheme\n(1) The Insurer is covered by a financial services compensation scheme.\n(2) If the Insurer cannot meet the Insurer's obligations, the Insured Person may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 47  Personal liability\n(1) The Insurer will pay damages the Insured Person becomes legally liable to pay for accidental injury to another person or accidental damage to their property during the trip.\n(2) This section does not cover liability arising from the use of motor vehicles, boats or aircraft.\n(3) The most the Insurer will pay under this section is $1,000,000 for all claims arising from one event.\n\n§ 48  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 49  Premium payment\n(1) The Insured Person must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Insurer may cancel the policy after giving notice.\n\n§ 50  Claims documents\n(1) The Insured Person must provide, at the Insured Person's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 51  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 52  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 53  Assignment\n(1) The Insured Person cannot transfer the Insured Person's interest in this policy to anyone else without the Insurer's written consent.\n\n§ 54  Emergency assistance\n(1) The Insurer's emergency assistance service is available 24 hours a day on the number shown in the schedule.\n(2) The Insured Person must contact the assistance service before being admitted to hospital as an in-patient, unless it is an emergency.\n(3) The assistance service can arrange payment guarantees, interpreters and transport home.\n\n§ 55  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 56  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 57  Reasonable precautions\n(1) The Insured Person must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Insured Person must take reasonable steps to recover lost or stolen property.\n\n§ 58  Payment of claims\n(1) The Insurer will pay claims by bank transfer to an account in the Insured Person's name.\n(2) The Insurer aims to pay accepted claims within 5 working days of receiving all the documents the Insurer needs.\n\n§ 59  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 60  Customer support\n(1) The Insurer's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Insured Person can leave a message and the Insurer will call back on the next working day.\n\n=== CLAIM ===\nClaim summary: Hugo Abara; policy P976769; policy start 5 June 2025; schedule covers Baggage and Personal Belongings, Emergency Medical Expenses, Trip Cancellation, Travel Delay; extensions none. Section claimed: Trip Cancellation, for a non-refundable guided tour package. Incident date 11 November 2025; notified 21 November 2025; assessed loss $163. Facts: The trip was cancelled because Hugo was admitted to hospital a week before departure. The trip was booked through an online travel agent.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_limit": "Pay up to the Trip Cancellation limit", "deny_change_of_mind": "Decline under the disinclination to travel exclusion (§ 3(5))", "pay_less_fee": "Pay the assessed loss less the excess", "deny_waiting": "Decline: the incident happened during the waiting period (§ 3(2))", "deny_late": "Decline: the claim was notified too late (§ 8(1))"}, "src": "hard_long_policy", "label": "pay_less_fee"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$1,950", "b": "$113", "c": "$2,000", "d": "$163", "e": "$0"}, "src": "hard_long_policy", "label": "b"}}, "_meta": {"id": "hard-v1/long_policy/development/00006", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00006", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "travel", "target": "pay_less_fee", "category": "cancellation", "tempting": null, "facts": {"domain": "travel", "fee_order": "before", "notice_days": 14, "categories": {"baggage": {"limit": 2000, "fee": 100, "waiting": 0, "purchased": true}, "medical": {"limit": 10000, "fee": 150, "waiting": 0, "purchased": true}, "cancellation": {"limit": 2000, "fee": 50, "waiting": 14, "purchased": true}, "delay": {"limit": 300, "fee": 50, "waiting": 0, "purchased": true}}, "classes": {"valuables": {"category": "baggage", "cap": 250}, "sports": {"category": "baggage", "cap": 300}, "dental": {"category": "medical", "cap": 400}, "physio": {"category": "medical", "cap": 500}, "excursions": {"category": "cancellation", "cap": 200}}, "exclusions": [{"key": "unattended", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "confiscation", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pre_existing", "categories": ["medical"], "kind": "threshold", "thr": 6, "cmp": "le", "has_exception": false}, {"key": "hazardous", "categories": ["medical"], "kind": "threshold", "thr": 3000, "cmp": "gt", "has_exception": true}, {"key": "intoxication", "categories": ["medical"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "known_event", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "change_of_mind", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "short_delay", "categories": ["delay"], "kind": "threshold", "thr": 8, "cmp": "le", "has_exception": false}], "case": {"category": "cancellation", "item": "the tour package", "item_class": null, "loss_cents": 16300, "start": "2025-06-05", "incident": "2025-11-11", "reported": "2025-11-21", "conditions": {}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"pay_limit": "pay_limit", "deny_change_of_mind": "deny_change_of_mind", "pay_less_fee": "pay_less_fee", "deny_waiting": "deny_waiting", "deny_late": "deny_late"}, "amount": {"a": 195000, "b": 11300, "c": 200000, "d": 16300, "e": 0}}}, "text_sha256": "01a02658b5b975792e750b532bc780a68ea9444c80c75ee790d1035c03b376ff", "state_tokens": 4652}}
{"state": "MEMO\nRe: Recurring schedule\n\nRent is collected on day 1 of each month; if that day falls on a Saturday or Sunday, it is collected on the Friday before. November 1, 2027 is a Monday. Question concerns the collection in November 2027.", "questions": {"date": {"type": "choice", "instructions": "Date of the requested occurrence:", "criteria": {"a": "1 November 2027", "b": "29 October 2027", "c": "31 October 2027", "d": "2 November 2027"}, "src": "hard_temporal_numeric", "label": "a"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00075", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00075", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "recurring_monthly_rollback", "facts": {"kind": "recurring", "pattern": "monthly_rollback", "year": 2027, "month": 11, "dom": 1, "options_q": {"date": {"a": "2027-11-01", "b": "2027-10-29", "c": "2027-10-31", "d": "2027-11-02"}}}, "text_sha256": "3a1b79a43f7fb7391ae0ce45085b9741aedc53dcaeb3f889ea7e233353265d5c", "state_tokens": 63}}
{"state": "REVIEW REQUEST\nItem: Posts are placed every 5 metres along a straight 185-metre fence, with a post at both ends. How many posts are needed?\nSubmitted result: Answer: 37 posts", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "38 posts", "b": "37 posts", "c": "925 posts", "d": "39 posts"}, "src": "hard_judge", "label": "a"}}, "_meta": {"id": "hard-v1/judge/development/00026", "source": "hard_judge", "group_id": "hard-v1/judge/development/00026", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "fence", "error": "fencepost", "facts": {"kind": "fence", "args": {"length": 185, "gap": 5}, "dp": 0, "proposed": 37, "error": "fencepost", "options_q": {"value": {"a": 38, "b": 37, "c": 925, "d": 39}}}, "text_sha256": "a4db8555390de4209102ddfb3972664d9f5d9a2b3f3d59fb4c276044a9f4f442", "state_tokens": 47}}
{"state": "MEMO\nRe: Group structure\n\nAn entity controls a company if it holds more than 50% of that company's shares, counting shares it holds directly and shares held by companies it controls. Ivel Holdings owns 84% of Garrow Trust. Cresta Group owns 16% of Garrow Trust.\n\nGarrow Trust owns 66% of Aldermoor Holdings. Eastgate Partners owns 34% of Aldermoor Holdings.", "questions": {"controller": {"type": "choice", "instructions": "Name the ultimate controller of Aldermoor Holdings.", "criteria": {"ivel_holdings": null, "eastgate_partners": null, "garrow_trust": null, "no_controller": "No entity controls it", "cresta_group": null}, "src": "hard_multi_hop", "label": "ivel_holdings"}, "interest": {"type": "choice", "instructions": "What is Ivel Holdings's effective economic interest in Aldermoor Holdings (its share of Aldermoor Holdings's profits through all holdings)?", "criteria": {"a": "84.0%", "b": "27.7%", "c": "55.4%", "d": "66.0%"}, "src": "hard_multi_hop", "label": "c"}}, "_meta": {"id": "hard-v1/multi_hop/development/00003", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00003", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "ownership", "shape": "chain", "facts": {"kind": "ownership", "stakes": {"Garrow Trust": {"Ivel Holdings": "84/100", "Cresta Group": "16/100"}, "Aldermoor Holdings": {"Garrow Trust": "66/100", "Eastgate Partners": "34/100"}}, "candidates": ["Ivel Holdings", "Garrow Trust", "Eastgate Partners", "Cresta Group"], "target": "Aldermoor Holdings", "top": "Ivel Holdings", "options_q": {"controller": {"ivel_holdings": "ivel_holdings", "eastgate_partners": "eastgate_partners", "garrow_trust": "garrow_trust", "no_controller": "no_controller", "cresta_group": "cresta_group"}, "interest": {"a": 840, "b": 277, "c": 554, "d": 660}}}, "text_sha256": "238fe09354f1e4865332cd430bb5bea26032d0136ca6aac0b7f52c9fa8a016f1", "state_tokens": 96}}
{"state": "MEMO\nRe: Meeting across time zones\n\nA call is scheduled for Thursday, May 7, 5:00 PM Adelaide time. On that date Adelaide is on UTC+9:30 and Dubai is on UTC+4. One attendee is in Dubai.", "questions": {"local": {"type": "choice", "instructions": "Local start time in Dubai:", "criteria": {"a": "Thursday, May 7, 10:30 PM", "b": "Thursday, May 7, 11:30 AM", "c": "Friday, May 8, 11:30 AM", "d": "Thursday, May 7, 12:30 PM", "e": "Thursday, May 7, 10:30 AM"}, "src": "hard_temporal_numeric", "label": "b"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00080", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00080", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "tz", "facts": {"kind": "tz", "start": "2026-05-07T17:00", "off_a": 9.5, "off_b": 4, "options_q": {"local": {"a": "2026-05-07T22:30", "b": "2026-05-07T11:30", "c": "2026-05-08T11:30", "d": "2026-05-07T12:30", "e": "2026-05-07T10:30"}}}, "text_sha256": "9d3f68f7bd72a31ab223648b6628db1a7bde630d45d6980010c34d6298dd2a54", "state_tokens": 56}}
{"state": "MEMO\nRe: Overtime\n\nHours beyond 40 in a Monday-to-Sunday week are overtime. No shift may exceed 12 hours. Wen Ivanova worked 10 hours on Monday. Wen Ivanova worked 9 hours on Tuesday.\n\nWen Ivanova worked 9 hours on Wednesday. Wen Ivanova worked 7 hours on Thursday. Wen Ivanova worked 9 hours on Friday.\n\nWen did not work at the weekend.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"no_overtime": "No overtime is due for this week", "overtime_due": "Overtime is due for this week", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "overtime_due"}}, "_meta": {"id": "hard-v1/ambiguous/development/00048", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00048", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "overtime", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "overtime", "insufficient_key": "not_enough_information", "params": {"hours": [10, 9, 9, 7, 9], "max_shift": 12}, "deciding_present": true, "options_q": {"decision": {"no_overtime": "no_overtime", "overtime_due": "overtime_due", "not_enough_information": "not_enough_information"}}}, "text_sha256": "96ea26dcced647bcd8953c5b7a6b8c6a7d7094234ecbfc31868f783503d7de28", "state_tokens": 95}}
{"state": "SPEC SHEET: a payment processor for the online store\nPaylane | fee per transaction=1.55% | payout delay=3 days | uptime commitment=99.51% | multi-currency settlement=yes | a chargeback protection service=yes\nSettle Pay | fee per transaction=1.95% | payout delay=3 days | uptime commitment=99.95% | multi-currency settlement=yes | a chargeback protection service=yes\nQuickcheck | fee per transaction=2.70% | payout delay=1 days | uptime commitment=99.70% | multi-currency settlement=yes | a chargeback protection service=no\nCoinbridge | fee per transaction=3.35% | payout delay=7 days | uptime commitment=99.87% | multi-currency settlement=yes | a chargeback protection service=no\nR1: it must offer a chargeback protection service\nSelection: Among the options that meet every requirement, choose the one with the lowest payout delay; if two or more are tied on payout delay, choose the one with the lowest fee per transaction.", "questions": {"choice": {"type": "choice", "instructions": "Which processor best satisfies the brief?", "criteria": {"paylane": null, "quickcheck": null, "none_qualifies": "None of the options meets every requirement", "coinbridge": null, "settle_pay": null}, "src": "hard_tradeoff", "label": "paylane"}, "meets": {"type": "noul", "instructions": "Does Settle Pay pass the hard requirements?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00029", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00029", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "processor", "none_case": false, "facts": {"rule": "lex", "options": {"Paylane": {"cost": 155, "payout": 3, "uptime": 9951, "multicurrency": true, "disputes": true}, "Settle Pay": {"cost": 195, "payout": 3, "uptime": 9995, "multicurrency": true, "disputes": true}, "Quickcheck": {"cost": 270, "payout": 1, "uptime": 9970, "multicurrency": true, "disputes": false}, "Coinbridge": {"cost": 335, "payout": 7, "uptime": 9987, "multicurrency": true, "disputes": false}}, "constraints": [{"attr": "disputes", "op": "is", "value": true}], "priority": [["payout", "lower"], ["cost", "lower"]], "weights": {}, "years": null, "check": "Settle Pay", "options_q": {"choice": {"paylane": "paylane", "quickcheck": "quickcheck", "none_qualifies": "none_qualifies", "coinbridge": "coinbridge", "settle_pay": "settle_pay"}}}, "text_sha256": "f14514abec03beaa63619b8bf0171d53cbbb3f4b138e5cc81f60dec6ccfb25bb", "state_tokens": 232}}
{"state": "MEMO\nRe: Invoice payment timing\n\nA late fee applies when payment arrives more than 60 days after the invoice date. Invoice 71553 was issued on 10 March 2026. Payment reached the account on 16 May 2026.", "questions": {"days": {"type": "choice", "instructions": "Number of days from invoice to payment:", "criteria": {"a": "65 days", "b": "66 days", "c": "69 days", "d": "67 days", "e": "68 days"}, "src": "hard_temporal_numeric", "label": "d"}, "late": {"type": "noul", "instructions": "Should the late fee be charged?", "src": "hard_temporal_numeric", "label": true}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00022", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00022", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "diff", "facts": {"kind": "diff", "invoice": "2026-03-10", "paid": "2026-05-16", "limit": 60, "options_q": {"days": {"a": 65, "b": 66, "c": 69, "d": 67, "e": 68}}}, "text_sha256": "c1072eb35f1265e183c3c9a9f610612f4a229c4e2d512d99becf38437b0daa0e", "state_tokens": 62}}
{"state": "GADGET COVER: TERMS AND CONDITIONS\nIssued by Voltguard Protection Ltd\nIn this policy, \"the Provider\" means Voltguard Protection Ltd and \"the Customer\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Accessories means cases, chargers, earbuds and styluses.\n(2) Accessories means cases, chargers and earbuds.\n(3) Assessed loss means the cost of repair or replacement agreed by the Provider, before any service fee, limit or sublimit is applied.\n(4) Authorised repairer means a repairer approved in writing by the Provider.\n(5) Battery replacement means replacement batteries and battery repairs.\n(6) Breakdown means the failure of a part to work as the manufacturer intended, from an internal electrical or mechanical fault.\n(7) Business day means Monday to Friday, excluding public holidays.\n(8) Device means the item shown in the schedule, bought new from an authorised retailer.\n(9) Family means the Customer's spouse or partner and any children who live with the Customer.\n(10) Incident means a single event, or a series of events arising from one cause.\n(11) Manufacturer's warranty period means the first 12 months after the device was bought.\n(12) Policy period means twelve months from the policy start date shown in the Customer's schedule.\n(13) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(14) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(15) Replacement device means a device of the same or similar specification, which may be refurbished.\n(16) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(17) Wearables means smartwatches and fitness trackers.\n\n§ 2  Limits and service fee\n(1) Accidental Damage: limit $800 per incident; service fee $99 per claim.\n(2) Breakdown: limit $1,000 per incident; service fee $25 per claim.\n(3) Theft and Loss: limit $800 per incident; service fee $99 per claim.\n(4) The service fee is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Accidental Damage\n(1) The Provider will repair or replace the Customer's device if it is accidentally damaged.\n(2) The most the Provider will pay for Accessories under this section is $50 per incident.\n(3) The most the Provider will pay for Wearables under this section is $250 per incident.\n(4) The Provider will not pay for cosmetic damage, such as scratches or dents, that does not affect how the device works.\n(5) The Provider will not pay for damage following a repair by anyone other than the Provider or an authorised repairer. This exclusion does not apply if the Provider approved the repair in writing beforehand.\n\n§ 4  Optional cover: Theft and Loss\n(1) The Provider will replace the Customer's device if it is stolen or lost.\n(2) This section applies only if it is shown as purchased in the Customer's schedule.\n(3) The most the Provider will pay for Accessories under this section is $100 per incident.\n(4) The Provider will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Provider will not pay for theft that was not reported to the police.\n\n§ 5  Breakdown\n(1) The Provider will repair or replace the Customer's device if it stops working because of an electrical or mechanical fault.\n(2) No cover applies under this section to any incident that happens within the first 45 days after the policy start date.\n(3) The most the Provider will pay for Battery replacement under this section is $120 per incident.\n(4) The Provider will not pay for breakdowns during the manufacturer's warranty period.\n(5) The Provider will not pay for breakdown caused by liquid getting into the device.\n\n§ 6  General exclusions\n(1) The Provider will not pay for loss caused by nuclear radiation or radioactive contamination.\n(2) The Provider will not pay for loss arising from a government order or sanction that prohibits the Provider from paying.\n(3) The Provider will not pay for any fraudulent claim or any claim supported by false documents.\n(4) The Provider will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(5) The Provider will not pay for loss or damage caused by war, invasion, or civil war.\n(6) The Provider will not pay for any deliberate or criminal act by the Customer.\n\n§ 7  Making a claim\n(1) The Customer must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Customer must notify the Provider of a claim within 21 days of the incident. The Provider will not pay any claim notified after that time.\n(3) The Provider may appoint a loss adjuster to investigate any claim.\n\n§ 8  Replacement devices\n(1) If the Provider cannot repair the Customer's device economically, the Provider will replace it with a replacement device.\n(2) Replacement devices may be a different colour and may be refurbished to an as-new standard.\n(3) Accessories are replaced only if they were lost or damaged in the same incident as the device.\n\n§ 9  Reasonable precautions\n(1) The Customer must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Customer must take reasonable steps to recover lost or stolen property.\n\n§ 10  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Provider may charge the premium without the discount from that date.\n\n§ 11  Complaints\n(1) If the Customer has a complaint, the Customer should first contact the Provider's customer relations team, quoting the policy number.\n(2) The Provider will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Customer remains dissatisfied, the Customer may be able to refer the complaint to an independent ombudsman service.\n\n§ 12  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 13  Repair process\n(1) After a claim is accepted, the Provider will send a prepaid mailer or book a courier collection.\n(2) The Provider aims to return repaired devices within 10 business days of receiving them.\n\n§ 14  Third-party administrators\n(1) The Provider may appoint another company to handle claims or other services on the Provider's behalf.\n(2) Any company the Provider appoints must follow the terms of this policy and applicable data protection law.\n\n§ 15  Premium payment\n(1) The Customer must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 7 days of its due date, the Provider may cancel the policy after giving notice.\n\n§ 16  Sanctions\n(1) The Provider will not provide cover or pay any claim to the extent that doing so would expose the Provider to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 17  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 18  Data protection\n(1) The Provider will use the personal information the Customer provides to administer this policy and to handle claims.\n(2) The Provider will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Customer can ask for a copy of the personal information the Provider holds by writing to the Provider's data protection officer.\n\n§ 19  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 20  Claims documents\n(1) The Customer must provide, at the Customer's own expense, original receipts, invoices, reports and any other evidence the Provider reasonably ask for.\n(2) The Provider may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 21  Changes in circumstances\n(1) The Customer must tell the Provider as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Provider may then change the premium or the terms of this policy, or cancel it.\n\n§ 22  Salvage\n(1) When the Provider replaces an item, the damaged or recovered item becomes the Provider's property.\n(2) If stolen property is recovered after the Provider has paid a claim, the Customer must tell the Provider and either return the payment or give the Provider the property.\n\n§ 23  Market conditions\n(1) If the replacement item is no longer available, the Provider will pay the cost of the nearest equivalent available at the time of the claim.\n\n=== CLAIM ===\nClaim summary: Ashok Farouk; policy B202042; policy start 20 February 2025; schedule covers Accidental Damage, Breakdown, Theft and Loss; extensions none. Section claimed: Breakdown, for a games console with a failed disc drive. Incident date 27 December 2025; notified 8 January 2026; assessed loss $84. Facts: The device was bought 13 months before it broke down. The technician found a failed component on the main board. The technician found no sign of liquid inside the device. Ashok bought the device from an authorised retailer.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_sublimit": "Pay up to the Battery replacement sublimit (§ 5(3))", "pay_less_fee": "Pay the assessed loss less the service fee", "deny_manufacturer_warranty": "Decline under the manufacturer's warranty period exclusion (§ 5(4))", "deny_liquid": "Decline under the liquid damage exclusion (§ 5(5))", "deny_waiting": "Decline: the incident happened during the waiting period (§ 5(2))"}, "src": "hard_long_policy", "label": "pay_less_fee"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$59", "b": "$0", "c": "$975", "d": "$1,000", "e": "$84"}, "src": "hard_long_policy", "label": "a"}}, "_meta": {"id": "hard-v1/long_policy/development/00023", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00023", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "device", "target": "pay_less_fee", "category": "breakdown", "tempting": "manufacturer_warranty", "facts": {"domain": "device", "fee_order": "before", "notice_days": 21, "categories": {"accidental_damage": {"limit": 800, "fee": 99, "waiting": 0, "purchased": true}, "breakdown": {"limit": 1000, "fee": 25, "waiting": 45, "purchased": true}, "theft_loss": {"limit": 800, "fee": 99, "waiting": 0, "purchased": true}}, "classes": {"accessories": {"category": "accidental_damage", "cap": 50}, "wearables": {"category": "accidental_damage", "cap": 250}, "battery": {"category": "breakdown", "cap": 120}, "accessories_tl": {"category": "theft_loss", "cap": 100}}, "exclusions": [{"key": "cosmetic_damage", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unauthorised_repair", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "manufacturer_warranty", "categories": ["breakdown"], "kind": "threshold", "thr": 12, "cmp": "lt", "has_exception": false}, {"key": "liquid", "categories": ["breakdown"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unattended", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "no_police_report", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "breakdown", "item": "the games console", "item_class": null, "loss_cents": 8400, "start": "2025-02-20", "incident": "2025-12-27", "reported": "2026-01-08", "conditions": {"liquid": false}, "values": {"manufacturer_warranty": 13}, "exceptions": {}}, "options_q": {"outcome": {"pay_sublimit": "pay_sublimit", "pay_less_fee": "pay_less_fee", "deny_manufacturer_warranty": "deny_manufacturer_warranty", "deny_liquid": "deny_liquid", "deny_waiting": "deny_waiting"}, "amount": {"a": 5900, "b": 0, "c": 97500, "d": 100000, "e": 8400}}}, "text_sha256": "37581a5b32d80d27b5bab1bbe6b20d7f41dcc33c791115165628a1e768b82349", "state_tokens": 2211}}
{"state": "MEMO\nRe: Price match\n\nWe match a competitor's lower price for an identical item if the competitor has it in stock at the time of the request, but we never match a price more than 25% below ours. If the competitor's price is not lower, no adjustment is needed. Ashok Yilmaz asked us to match Pinecrest Hotels's price for the same blender model. Our price is $80.00; Pinecrest Hotels lists it at $71.20.\n\nAshok is a returning customer.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"no_adjustment": "No adjustment needed", "decline_match": "Decline the price match", "not_enough_information": "The information given is not enough to decide", "match_price": "Match the competitor's price"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00009", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00008", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "price_match", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": false, "facts": {"scenario": "price_match", "insufficient_key": "not_enough_information", "params": {"ours_cents": 8000, "theirs_cents": 7120, "max_gap_pct": 25, "in_stock": null}, "deciding_present": false, "options_q": {"decision": {"no_adjustment": "no_adjustment", "decline_match": "decline_match", "not_enough_information": "not_enough_information", "match_price": "match_price"}}}, "text_sha256": "19371cd47264c45278de9915f3fe2f41ae88bfceb9e0db2659cf2a8731a3352e", "state_tokens": 113}}
{"state": "SPEC SHEET: a marketing agency for the spring campaign\nBrightside Creative | fee=$11,500 | lead time=2 weeks | portfolio rating=5/10 | B2B campaign experience=no | in-house video production=yes\nSignal & Co | fee=$24,500 | lead time=11 weeks | portfolio rating=8/10 | B2B campaign experience=yes | in-house video production=yes\nWildfern Agency | fee=$27,500 | lead time=8 weeks | portfolio rating=3/10 | B2B campaign experience=yes | in-house video production=yes\nR1: it must offer B2B campaign experience\nSelection: Among the options that meet every requirement, choose the one with the lowest lead time; if two or more are tied on lead time, choose the one with the lowest fee.", "questions": {"choice": {"type": "choice", "instructions": "Which agency best satisfies the brief?", "criteria": {"signal_co": null, "wildfern_agency": null, "brightside_creative": null}, "src": "hard_tradeoff", "label": "wildfern_agency"}, "meets": {"type": "noul", "instructions": "Does Wildfern Agency meet every hard requirement?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00064", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00064", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "agency", "none_case": false, "facts": {"rule": "lex", "options": {"Brightside Creative": {"cost": 11500, "lead": 2, "portfolio": 5, "b2b": false, "inhouse": true}, "Signal & Co": {"cost": 24500, "lead": 11, "portfolio": 8, "b2b": true, "inhouse": true}, "Wildfern Agency": {"cost": 27500, "lead": 8, "portfolio": 3, "b2b": true, "inhouse": true}}, "constraints": [{"attr": "b2b", "op": "is", "value": true}], "priority": [["lead", "lower"], ["cost", "lower"]], "weights": {}, "years": null, "check": "Wildfern Agency", "options_q": {"choice": {"signal_co": "signal_co", "wildfern_agency": "wildfern_agency", "brightside_creative": "brightside_creative"}}}, "text_sha256": "8fe2eaa26bf4b521b150d15180fae67439d1317c0c0941efd534e3c6a78f0082", "state_tokens": 182}}
{"state": "TRAVEL INSURANCE POLICY WORDING\nIssued by Meridian Travel Insurance Ltd\nIn this policy, \"the Insurer\" means Meridian Travel Insurance Ltd and \"the Insured Person\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Excursions and tickets means pre-booked excursions, tours, and event or theatre tickets.\n(2) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(3) Sports equipment means skis, snowboards, golf clubs, surfboards and bicycles.\n(4) Valuables means laptops, tablets, mobile phones, cameras, watches and jewellery.\n\n§ 2  Limits and excess\n(1) Baggage and Personal Belongings: limit $2,000 per incident; excess $75 per claim.\n(2) Emergency Medical Expenses: limit $25,000 per incident; excess $150 per claim.\n(3) Trip Cancellation: limit $5,000 per incident; excess $50 per claim.\n(4) Travel Delay: limit $500 per incident; excess $25 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Baggage and Personal Belongings\n(1) The Insurer will pay for the loss of, theft of, or damage to the Insured Person's baggage and personal belongings during the trip.\n(2) The most the Insurer will pay for Valuables under this section is $400 per incident.\n(3) The most the Insurer will pay for Sports equipment under this section is $450 per incident.\n(4) The Insurer will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Insurer will not pay for loss caused by confiscation or detention by customs or other officials.\n(6) The Insurer will not pay for damage caused by wear and tear or gradual deterioration.\n\n§ 4  Trip Cancellation\n(1) The Insurer will pay non-refundable travel and accommodation costs if the Insured Person must cancel the trip for a reason beyond the Insured Person's control.\n(2) No cover applies under this section to any incident that happens within the first 14 days after the policy start date.\n(3) The most the Insurer will pay for Excursions and tickets under this section is $200 per incident.\n(4) The Insurer will not pay for cancellation caused by a strike or other event that had been publicly announced before the Insured Person bought the policy.\n(5) The Insurer will not pay for cancellation because the Insured Person no longer wish to travel.\n\n§ 5  General exclusions\n(1) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n(2) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n\n§ 6  Making a claim\n(1) The Insured Person must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Insured Person must notify the Insurer of a claim within 30 days of the incident. The Insurer will not pay any claim notified after that time.\n(3) The Insurer may appoint a loss adjuster to investigate any claim.\n\n§ 7  Change of address\n(1) The Insured Person must tell the Insurer within 30 days if the Insured Person changes the Insured Person's address.\n(2) The Insurer may change the premium or the terms from the date of the move.\n\n§ 8  Records and evidence\n(1) The Insured Person should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 9  Payment of claims\n(1) The Insurer will pay claims by bank transfer to an account in the Insured Person's name.\n(2) The Insurer aims to pay accepted claims within 10 working days of receiving all the documents the Insurer needs.\n\n=== CLAIM ===\nClaim summary: Wen Costa; policy T736032; policy start 20 January 2025; schedule covers Baggage and Personal Belongings, Emergency Medical Expenses, Trip Cancellation, Travel Delay; extensions none. Section claimed: Baggage and Personal Belongings, for a wristwatch. Incident date 25 May 2025; notified 6 June 2025; assessed loss $172. Facts: The wristwatch was stolen from Wen's locked hotel room. The wristwatch passed through customs without being inspected. The destination was a coastal town Wen had visited before. Wen was travelling with two colleagues. The trip was booked through an online travel agent.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_less_fee": "Pay the assessed loss less the excess", "pay_sublimit": "Pay up to the Valuables sublimit (§ 3(2))", "deny_waiting": "Decline: the incident happened during the waiting period (§ 4(2))", "not_covered": "Decline: Baggage and Personal Belongings is not a cover shown in the schedule", "deny_wear": "Decline under the wear and tear exclusion (§ 3(6))"}, "src": "hard_long_policy", "label": "pay_less_fee"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$325", "b": "$400", "c": "$97", "d": "$172", "e": "$1,925"}, "src": "hard_long_policy", "label": "c"}}, "_meta": {"id": "hard-v1/long_policy/development/00036", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00036", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "travel", "target": "pay_less_fee", "category": "baggage", "tempting": null, "facts": {"domain": "travel", "fee_order": "before", "notice_days": 30, "categories": {"baggage": {"limit": 2000, "fee": 75, "waiting": 0, "purchased": true}, "medical": {"limit": 25000, "fee": 150, "waiting": 0, "purchased": true}, "cancellation": {"limit": 5000, "fee": 50, "waiting": 14, "purchased": true}, "delay": {"limit": 500, "fee": 25, "waiting": 0, "purchased": true}}, "classes": {"valuables": {"category": "baggage", "cap": 400}, "sports": {"category": "baggage", "cap": 450}, "dental": {"category": "medical", "cap": 250}, "physio": {"category": "medical", "cap": 300}, "excursions": {"category": "cancellation", "cap": 200}}, "exclusions": [{"key": "unattended", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "confiscation", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pre_existing", "categories": ["medical"], "kind": "threshold", "thr": 12, "cmp": "le", "has_exception": false}, {"key": "hazardous", "categories": ["medical"], "kind": "threshold", "thr": 3000, "cmp": "gt", "has_exception": true}, {"key": "intoxication", "categories": ["medical"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "known_event", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "change_of_mind", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "short_delay", "categories": ["delay"], "kind": "threshold", "thr": 12, "cmp": "le", "has_exception": false}], "case": {"category": "baggage", "item": "the wristwatch", "item_class": "valuables", "loss_cents": 17200, "start": "2025-01-20", "incident": "2025-05-25", "reported": "2025-06-06", "conditions": {"confiscation": false}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"pay_less_fee": "pay_less_fee", "pay_sublimit": "pay_sublimit", "deny_waiting": "deny_waiting", "not_covered": "not_covered", "deny_wear": "deny_wear"}, "amount": {"a": 32500, "b": 40000, "c": 9700, "d": 17200, "e": 192500}}}, "text_sha256": "ad89c28ab02c06b5adbaf5dcc1da4c82480894cfd1ad9af1be82d6c971571271", "state_tokens": 1115}}
{"state": "REVIEW REQUEST\nItem: After a 30% discount, a jacket costs $497.00. What was the price before the discount, to the nearest cent?\nSubmitted result: $347.90", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$646.10", "b": "$347.91", "c": "$347.90", "d": "$710.00", "e": "$527.00"}, "src": "hard_judge", "label": "d"}}, "_meta": {"id": "hard-v1/judge/development/00007", "source": "hard_judge", "group_id": "hard-v1/judge/development/00007", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "reverse_pct", "error": "subtracted", "facts": {"kind": "reverse_pct", "args": {"after": "497", "p": "3/10"}, "dp": 2, "proposed": 34790, "error": "subtracted", "options_q": {"value": {"a": 64610, "b": 34791, "c": 34790, "d": 71000, "e": 52700}}}, "text_sha256": "44b20420d34a580620cf6933cb4cd1fffb7d395cfd282a28cb93a6037778192d", "state_tokens": 49}}
{"state": "MEMO\nRe: Recurring schedule\n\nThe payroll run happens every three weeks on the same weekday. The first run of the year was on Thursday 9 July 2026. Question concerns the 8th run of the year, counting the first run as run 1.", "questions": {"date": {"type": "choice", "instructions": "Date of the requested occurrence:", "criteria": {"a": "27 August 2026", "b": "12 November 2026", "c": "4 December 2026", "d": "24 December 2026", "e": "3 December 2026"}, "src": "hard_temporal_numeric", "label": "e"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00065", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00065", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "recurring_every_n_weeks", "facts": {"kind": "recurring", "pattern": "every_n_weeks", "first": "2026-07-09", "n": 3, "k": 8, "options_q": {"date": {"a": "2026-08-27", "b": "2026-11-12", "c": "2026-12-04", "d": "2026-12-24", "e": "2026-12-03"}}}, "text_sha256": "95ed2c6019e8a60a0c3b2af62c6f84a86a2821574b516d52dff0efcad02be7ed", "state_tokens": 59}}
{"state": "MEMO\nRe: Alert precision\n\nA spam filter quarantines inbound emails. Historically, twenty percent of emails are spam. When one of the emails is spam, the system quarantines it seventy-five percent of the time.\n\nWhen one of the emails is not spam, the system still quarantines it ten percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that one of the emails that the system has quarantined is actually spam?", "criteria": {"a": "90.0%", "b": "75.0%", "c": "15.0%", "d": "65.2%", "e": "20.0%"}, "src": "hard_probability", "label": "d"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that one of the emails that the system has quarantined is spam?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 3}}, "_meta": {"id": "hard-v1/probability/development/00042", "source": "hard_probability", "group_id": "hard-v1/probability/development/00042", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "bayes", "facts": {"kind": "bayes", "p": {"base": "20/100", "sens": "75/100", "fpr": "10/100"}, "options_q": {"value": {"a": 900, "b": 750, "c": 150, "d": 652, "e": 200}}, "qid2": "bucket"}, "text_sha256": "3fc6d88c82fcddd9541cd851b2b6cbc30d9eca9e6e665ef2c3cb8c7bd300b019", "state_tokens": 71}}
{"state": "MEMO\nRe: Invoice payment timing\n\nA late fee applies when payment arrives more than 45 days after the invoice date. Invoice 39026 was issued on 26 March 2026. Payment reached the account on 11 May 2026.", "questions": {"days": {"type": "choice", "instructions": "Number of days from invoice to payment:", "criteria": {"a": "48 days", "b": "44 days", "c": "47 days", "d": "45 days", "e": "46 days"}, "src": "hard_temporal_numeric", "label": "e"}, "late": {"type": "noul", "instructions": "Should the late fee be charged?", "src": "hard_temporal_numeric", "label": true}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00072", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00072", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "diff", "facts": {"kind": "diff", "invoice": "2026-03-26", "paid": "2026-05-11", "limit": 45, "options_q": {"days": {"a": 48, "b": 44, "c": 47, "d": 45, "e": 46}}}, "text_sha256": "4ef17daebc38ca6e75ae718a4f3ee91a36ad795965b6c1b378f99078bc84023e", "state_tokens": 62}}
{"state": "MEMO\nRe: Subscription cancellation\n\nA customer paid $4,800.00 for an annual plan running from 10 October 2025 up to (but not including) 10 October 2026. They cancelled on 9 September 2026. Refund rule: refund the annual price multiplied by the number of unused days and divided by the number of days in the plan year; the cancellation day counts as used. Round to the nearest cent.", "questions": {"refund": {"type": "choice", "instructions": "Refund due:", "criteria": {"a": "$4,405.48", "b": "$400.00", "c": "$393.44", "d": "$394.52", "e": "$407.67"}, "src": "hard_temporal_numeric", "label": "d"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00077", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00077", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "prorata", "leap": false, "facts": {"kind": "prorata", "start": "2025-10-10", "end": "2026-10-10", "cancel": "2026-09-09", "price_cents": 480000, "options_q": {"refund": {"a": 440548, "b": 40000, "c": 39344, "d": 39452, "e": 40767}}}, "text_sha256": "203e0f03618a9868f23ccb0412d158ce4de8a569b66e91ebf670ddc17945e0bd", "state_tokens": 104}}
{"state": "MEMO\nRe: Shipping\n\nOrders ship free when the order total after all discounts is at least $150.00; otherwise the standard shipping fee applies. Jonas Laine's basket totals $172.82 before discounts. The coupon Jonas applied took $40.00 off.\n\nThe basket contains three items from the same warehouse. Jonas chose standard delivery.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "standard_shipping": "Charge the standard shipping fee", "free_shipping": "Ship the order free"}, "src": "hard_ambiguous", "label": "standard_shipping"}}, "_meta": {"id": "hard-v1/ambiguous/development/00090", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00090", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "shipping", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "shipping", "insufficient_key": "not_enough_information", "params": {"threshold_cents": 15000, "subtotal_cents": 17282, "discount_cents": 4000}, "deciding_present": true, "options_q": {"decision": {"not_enough_information": "not_enough_information", "standard_shipping": "standard_shipping", "free_shipping": "free_shipping"}}}, "text_sha256": "5700ef4dca27afe22cfab9d8476117866ccbc884f442ea57e7a531c6271a7592", "state_tokens": 80}}
{"state": "SPEC SHEET: a managed database service for the orders system\nLumen Data | monthly cost=$850 | write latency=37 ms | recovery point objective=13 minutes | one-time setup fee=$10,500 | point-in-time recovery=no | multi-region replicas=yes\nPolar Store | monthly cost=$600 | write latency=31 ms | recovery point objective=46 minutes | one-time setup fee=$18,000 | point-in-time recovery=yes | multi-region replicas=no\nQuarry SQL | monthly cost=$1,250 | write latency=29 ms | recovery point objective=30 minutes | one-time setup fee=$11,500 | point-in-time recovery=yes | multi-region replicas=yes\nWren Cloud SQL | monthly cost=$3,600 | write latency=22 ms | recovery point objective=57 minutes | one-time setup fee=$22,500 | point-in-time recovery=no | multi-region replicas=yes\nGranite DB | monthly cost=$2,600 | write latency=12 ms | recovery point objective=26 minutes | one-time setup fee=$11,000 | point-in-time recovery=no | multi-region replicas=no\nR1: its recovery point objective must be at most 38 minutes\nSelection: Among the options that meet every requirement, choose the lowest total cost over 4 years: the one-time setup fee plus 4 years of the monthly cost.", "questions": {"choice": {"type": "choice", "instructions": "Which service best satisfies the brief?", "criteria": {"lumen_data": null, "polar_store": null, "wren_cloud_sql": null, "quarry_sql": null, "none_qualifies": "No option qualifies", "granite_db": null}, "src": "hard_tradeoff", "label": "lumen_data"}, "meets": {"type": "noul", "instructions": "Does Quarry SQL meet every hard requirement?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00085", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00085", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "tco", "context": "service", "none_case": false, "facts": {"rule": "tco", "options": {"Lumen Data": {"cost": 850, "latency": 37, "rpo": 13, "pitr": false, "multiregion": true, "setup": 10500}, "Polar Store": {"cost": 600, "latency": 31, "rpo": 46, "pitr": true, "multiregion": false, "setup": 18000}, "Quarry SQL": {"cost": 1250, "latency": 29, "rpo": 30, "pitr": true, "multiregion": true, "setup": 11500}, "Wren Cloud SQL": {"cost": 3600, "latency": 22, "rpo": 57, "pitr": false, "multiregion": true, "setup": 22500}, "Granite DB": {"cost": 2600, "latency": 12, "rpo": 26, "pitr": false, "multiregion": false, "setup": 11000}}, "constraints": [{"attr": "rpo", "op": "<=", "value": 38}], "priority": [], "weights": {}, "years": 4, "check": "Quarry SQL", "options_q": {"choice": {"lumen_data": "lumen_data", "polar_store": "polar_store", "wren_cloud_sql": "wren_cloud_sql", "quarry_sql": "quarry_sql", "none_qualifies": "none_qualifies", "granite_db": "granite_db"}}}, "text_sha256": "e01aef4917352f95db160ca013949a1eb9af909b118b4043d3a169ab2bb73bf1", "state_tokens": 315}}
{"state": "MEMO\nRe: Warranty\n\nThe warranty covers manufacturing defects for 12 months from the purchase date. Accidental damage is never covered. Omar Mbeki bought a coffee machine on 2027-02-24. Omar made a warranty claim on 2027-08-06.\n\nOmar registered the machine online.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "not_covered": "Not covered by the warranty", "repair_under_warranty": "Repair under warranty"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00063", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00062", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "warranty", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": false, "facts": {"scenario": "warranty", "insufficient_key": "not_enough_information", "params": {"months": 12, "purchase": "2027-02-24", "claim": "2027-08-06", "cause": null}, "deciding_present": false, "options_q": {"decision": {"not_enough_information": "not_enough_information", "not_covered": "not_covered", "repair_under_warranty": "repair_under_warranty"}}}, "text_sha256": "1b19baa9f081c1ffee19737bc82e6affc0d9c36525238966e903fa2d54f148b1", "state_tokens": 75}}
{"state": "MEMO\nRe: Outage: user-profile\n\nOutages propagate along hard dependencies: if a service goes down, every service that depends on it, directly or through other hard dependencies, is affected. Soft dependencies do not propagate outages. order-queue depends on search-indexer. ledger-service depends on order-queue.\n\nsession-cache depends on email-relay. payments-gateway depends on session-cache. user-profile depends on cdn-edge.\n\nemail-relay depends on user-profile. pricing-engine depends on email-relay (soft dependency: it degrades gracefully and keeps working if email-relay is down). billing-api depends on cdn-edge.\n\nuser-profile is currently down.", "questions": {"affected": {"type": "choice", "instructions": "Which of these will the outage reach?", "criteria": {"billing_api": null, "pricing_engine": null, "none_affected": "None of these services is affected", "payments_gateway": null, "cdn_edge": null}, "src": "hard_multi_hop", "label": "payments_gateway"}}, "_meta": {"id": "hard-v1/multi_hop/development/00077", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00077", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "deps", "hops": 3, "soft": true, "facts": {"kind": "deps", "edges": [["email-relay", "user-profile", false], ["session-cache", "email-relay", false], ["payments-gateway", "session-cache", false], ["user-profile", "cdn-edge", false], ["order-queue", "search-indexer", false], ["billing-api", "cdn-edge", false], ["pricing-engine", "email-relay", true], ["ledger-service", "order-queue", false]], "down": "user-profile", "candidates": ["payments-gateway", "cdn-edge", "billing-api", "pricing-engine"], "options_q": {"affected": {"billing_api": "billing_api", "pricing_engine": "pricing_engine", "none_affected": "none_affected", "payments_gateway": "payments_gateway", "cdn_edge": "cdn_edge"}}}, "text_sha256": "15412dc4a7be08f9cc61ad19be1c020f1794c16d6e0033b3eb8b6a459a585016", "state_tokens": 140}}
{"state": "EMPLOYEE HEALTH BENEFITS PLAN: SUMMARY PLAN DESCRIPTION\nIssued by the Staff Welfare Fund\nIn this policy, \"the Plan\" means the Staff Welfare Fund and \"the Member\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Plan, before any deductible, limit or sublimit is applied.\n(2) Business day means Monday to Friday, excluding public holidays.\n(3) Dependant means the Member's spouse or partner, or a child under 21 who is enrolled in the plan.\n(4) Family means the Member's spouse or partner and any children who live with the Member.\n(5) Frames means spectacle frames bought without new lenses.\n(6) Hearing accessories means batteries, chargers and cleaning kits.\n(7) Hearing aid replacement period means 36 months from the purchase of hearing aids funded by the plan.\n(8) Incident means a single event, or a series of events arising from one cause.\n(9) Limit means the most the Plan will pay for all claims under a section arising from one treatment.\n(10) Major restorative work means crowns, bridges, root canal treatment and implants.\n(11) Massage therapy means sports massage, massage therapy and reflexology.\n(12) Network provider means a practitioner or clinic that has an agreement with the Plan to provide treatment.\n(13) Orthodontics means braces and clear aligners.\n(14) Plan year means the twelve months starting on the Member's coverage start date.\n(15) Policy period means twelve months from the policy start date shown in the Member's schedule.\n(16) Premium means the amount the Member must pay for this policy, including any taxes.\n(17) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(18) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(19) Registered practitioner means a practitioner registered with the professional body for their discipline.\n(20) Replacement period means 24 months from the date of the Member's last eyewear claim.\n(21) Schedule means the document issued with this policy that shows the Member's details, the covers the Member bought and any extensions.\n(22) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n\n§ 2  Limits and deductible\n(1) Dental Care: limit $1,500 per treatment; deductible $50 per claim.\n(2) Vision Care: limit $500 per treatment; deductible $40 per claim.\n(3) Therapy Services: limit $1,000 per treatment; deductible $50 per claim.\n(4) Hearing Care: limit $2,000 per treatment; deductible $150 per claim.\n(5) The deductible is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Vision Care\n(1) The Plan will reimburse eye tests and prescription eyewear.\n(2) The most the Plan will pay for Frames under this section is $120 per treatment.\n(3) The Plan will not pay for eyewear without prescription lenses.\n(4) The Plan will not pay for a further eyewear claim within the replacement period.\n\n§ 4  Dental Care\n(1) The Plan will reimburse the cost of dental treatment provided by a licensed dentist.\n(2) No cover applies under this section to any treatment that happens within the first 90 days after the policy start date.\n(3) The most the Plan will pay for Major restorative work under this section is $500 per treatment.\n(4) The most the Plan will pay for Orthodontics under this section is $600 per treatment.\n(5) The Plan will not pay for treatment that is mainly cosmetic, such as whitening or veneers. This exclusion does not apply to treatment needed to repair damage caused by an accident.\n(6) The Plan will not pay for treatment by a provider outside the plan's network. This exclusion does not apply to emergency treatment for sudden severe pain.\n\n§ 5  Optional cover: Hearing Care\n(1) The Plan will reimburse hearing tests and hearing aids.\n(2) This section applies only if it is shown as purchased in the Member's schedule.\n(3) The most the Plan will pay for Hearing accessories under this section is $100 per treatment.\n(4) The Plan will not pay for replacement hearing aids bought within the hearing aid replacement period.\n\n§ 6  Therapy Services\n(1) The Plan will reimburse physiotherapy, osteopathy and counselling provided by a registered practitioner.\n(2) The most the Plan will pay for Massage therapy under this section is $200 per treatment.\n(3) The Plan will not pay for treatment of an injury covered by workers' compensation.\n(4) The Plan will not pay for treatment by a practitioner who is not registered with the relevant professional body.\n\n§ 7  General exclusions\n(1) The Plan will not pay for any fraudulent claim or any claim supported by false documents.\n(2) The Plan will not pay for loss arising from a government order or sanction that prohibits the Plan from paying.\n(3) The Plan will not pay for loss or damage caused by war, invasion, or civil war.\n(4) The Plan will not pay for any deliberate or criminal act by the Member.\n\n§ 8  Making a claim\n(1) The Member must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Plan may appoint a loss adjuster to investigate any claim.\n(3) The Member must notify the Plan of a claim within 30 days of the treatment. The Plan will not pay any claim notified after that time.\n\n§ 9  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 10  Recovery of costs\n(1) If the Plan pays a claim that is later found not to be covered, the Plan may ask the Member to repay the amount.\n\n§ 11  Interest\n(1) The Plan will not pay interest on any claim payment unless the law requires it.\n\n§ 12  Duty of fair presentation\n(1) The Member must answer all questions the Plan asks honestly and to the best of the Member's knowledge.\n(2) If the Member gives incorrect information deliberately or recklessly, the Plan may treat this policy as if it never existed and keep the premium.\n(3) If the Member gives incorrect information carelessly, the Plan may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 13  Compensation scheme\n(1) The Plan is covered by a financial services compensation scheme.\n(2) If the Plan cannot meet the Plan's obligations, the Member may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 14  Notices\n(1) Any notice the Plan gives under this policy will be sent to the most recent postal or email address the Plan holds.\n(2) Notices from the Member should be sent to the address shown in the schedule.\n\n§ 15  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 16  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 17  Claims documents\n(1) The Member must provide, at the Member's own expense, original receipts, invoices, reports and any other evidence the Plan reasonably ask for.\n(2) The Plan may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 18  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 19  Eligibility\n(1) Employees who work at least 20 hours a week are eligible to join the plan from their first day of employment.\n(2) Contractors, agency workers and employees on unpaid leave of more than three months are not eligible.\n\n§ 20  Waiver\n(1) If the Plan does not enforce any term of this policy, that does not mean the Plan has given up the right to enforce it later.\n\n§ 21  Market conditions\n(1) If the replacement item is no longer available, the Plan will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 22  Wellness allowance\n(1) Each plan year the Member may claim up to $100 towards a gym membership or fitness class.\n(2) The wellness allowance is not subject to any deductible and does not count towards other limits.\n\n§ 23  Leaving the plan\n(1) Cover ends on the day the Member's employment ends or the day the Member stops being eligible, whichever is earlier.\n(2) Claims for treatment received before cover ended may be submitted up to 90 days afterwards.\n\n§ 24  Subrogation\n(1) The Plan will be entitled to take over and conduct in the Member's name the defence or settlement of any claim.\n(2) The Plan can take action in the Member's name to recover any payment the Plan makes from anyone responsible for the loss.\n\n§ 25  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 26  Electronic documents\n(1) The Plan will send documents by email unless the Member asks for paper copies.\n(2) The Member must tell the Plan if the Member's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 27  Cancellation\n(1) The Member can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Member can cancel at any time; the Plan will refund the premium for the unexpired period less an administration charge of $30.\n(3) The Plan can cancel this policy by giving the Member 30 days' written notice to the last address the Plan holds.\n\n§ 28  Cooperation\n(1) The Member must give the Plan all the help and information the Plan reasonably need to settle a claim.\n(2) The Member must not admit liability or offer to settle any claim without the Plan's written permission.\n\n§ 29  Third-party administrators\n(1) The Plan may appoint another company to handle claims or other services on the Plan's behalf.\n(2) Any company the Plan appoints must follow the terms of this policy and applicable data protection law.\n\n§ 30  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Plan may adjust the premium from the date of the change.\n\n§ 31  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Plan will pay only the Plan's proportionate share.\n(2) The Member must tell the Plan about any other insurance that covers the same loss when the Member makes a claim.\n\n§ 32  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 33  Automatic renewal\n(1) Unless the Member tells the Plan otherwise, this policy will renew automatically at the end of the policy period using the payment details the Plan holds.\n(2) The Member can switch off automatic renewal at any time by contacting the Plan's helpline.\n\n§ 34  Environmental commitment\n(1) Where practical, the Plan will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Member may ask for a new part instead, and the Plan will tell the Member whether any additional cost would apply.\n\n§ 35  Assignment\n(1) The Member cannot transfer the Member's interest in this policy to anyone else without the Plan's written consent.\n\n§ 36  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 37  Dependants\n(1) The Member may enrol dependants at the start of each plan year or within 30 days of a qualifying life event.\n(2) Benefits paid for dependants count towards the same annual limits as the Member's own claims.\n\n§ 38  Inflation\n(1) The Plan may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Member's renewal documents; limits do not change during a policy period.\n\n§ 39  Appeals\n(1) If the Plan declines all or part of a claim, the Member may appeal in writing within 60 days of the decision.\n(2) An appeal will be reviewed by someone who was not involved in the original decision.\n(3) The Plan will give the Member a written decision on the appeal within 30 days.\n\n§ 40  Change of address\n(1) The Member must tell the Plan within 30 days if the Member changes the Member's address.\n(2) The Plan may change the premium or the terms from the date of the move.\n\n§ 41  Complaints\n(1) If the Member has a complaint, the Member should first contact the Plan's customer relations team, quoting the policy number.\n(2) The Plan will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Member remains dissatisfied, the Member may be able to refer the complaint to an independent ombudsman service.\n\n=== CLAIM ===\nClaim summary: Owen Zeller; policy H505809; policy start 9 February 2026; schedule covers Dental Care, Vision Care, Therapy Services; extensions none. Section claimed: Vision Care, for prescription glasses. Treatment date 23 March 2026; notified 24 March 2026; assessed loss $498. Facts: Owen's previous eyewear claim was 16 months before this one. The provider issued an itemised invoice. Owen's spouse is also enrolled in the plan.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_limit": "Pay up to the Vision Care limit", "deny_waiting": "Decline: the treatment happened during the waiting period (§ 4(2))", "pay_less_fee": "Pay the assessed loss less the deductible", "deny_frequency": "Decline under the replacement frequency exclusion (§ 3(4))", "deny_late": "Decline: the claim was notified too late (§ 8(3))"}, "src": "hard_long_policy", "label": "deny_frequency"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$500", "b": "$458", "c": "$498", "d": "$80", "e": "$0"}, "src": "hard_long_policy", "label": "e"}}, "_meta": {"id": "hard-v1/long_policy/development/00040", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00040", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "benefits", "target": "deny_exclusion", "category": "vision", "tempting": null, "facts": {"domain": "benefits", "fee_order": "before", "notice_days": 30, "categories": {"dental": {"limit": 1500, "fee": 50, "waiting": 90, "purchased": true}, "vision": {"limit": 500, "fee": 40, "waiting": 0, "purchased": true}, "therapy": {"limit": 1000, "fee": 50, "waiting": 0, "purchased": true}, "hearing": {"limit": 2000, "fee": 150, "waiting": 0, "purchased": false}}, "classes": {"major": {"category": "dental", "cap": 500}, "ortho": {"category": "dental", "cap": 600}, "frames": {"category": "vision", "cap": 120}, "massage": {"category": "therapy", "cap": 200}, "accessories": {"category": "hearing", "cap": 100}}, "exclusions": [{"key": "cosmetic", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "out_of_network", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "non_prescription", "categories": ["vision"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "frequency", "categories": ["vision"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}, {"key": "work_injury", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unregistered", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "replacement", "categories": ["hearing"], "kind": "threshold", "thr": 36, "cmp": "lt", "has_exception": false}], "case": {"category": "vision", "item": "the glasses", "item_class": null, "loss_cents": 49800, "start": "2026-02-09", "incident": "2026-03-23", "reported": "2026-03-24", "conditions": {}, "values": {"frequency": 16}, "exceptions": {}}, "options_q": {"outcome": {"pay_limit": "pay_limit", "deny_waiting": "deny_waiting", "pay_less_fee": "pay_less_fee", "deny_frequency": "deny_frequency", "deny_late": "deny_late"}, "amount": {"a": 50000, "b": 45800, "c": 49800, "d": 8000, "e": 0}}}, "text_sha256": "bbc4cfd48eec102588d560d142861e8097779b93af1cf78085f2e04982724dc1", "state_tokens": 3287}}
{"state": "TRAVEL INSURANCE POLICY WORDING\nIssued by Meridian Travel Insurance Ltd\nIn this policy, \"the Insurer\" means Meridian Travel Insurance Ltd and \"the Insured Person\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(2) Dental treatment means treatment of the teeth or gums.\n(3) Excursions and tickets means pre-booked excursions, tours, and event or theatre tickets.\n(4) Family means the Insured Person's spouse or partner and any children who live with the Insured Person.\n(5) Hazardous activity means skydiving, motor racing, or trekking or climbing above 3,000 metres.\n(6) Incident means a single event, or a series of events arising from one cause.\n(7) Limit means the most the Insurer will pay for all claims under a section arising from one incident.\n(8) Physiotherapy means treatment of muscles and joints by a physiotherapist.\n(9) Policy period means twelve months from the policy start date shown in the Insured Person's schedule.\n(10) Pre-existing condition means any illness or injury for which the Insured Person received treatment or advice in the 3 months before the policy start date.\n(11) Premium means the amount the Insured Person must pay for this policy, including any taxes.\n(12) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(13) Public transport means any scheduled train, bus, coach, ferry or aircraft.\n(14) Qualifying delay means a delay to the scheduled departure of more than 8 hours.\n(15) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(16) Schedule means the document issued with this policy that shows the Insured Person's details, the covers the Insured Person bought and any extensions.\n(17) Sports equipment means skis, snowboards, golf clubs, surfboards and bicycles.\n(18) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(19) Territory means the countries in which cover applies, as shown in the schedule.\n(20) Travelling companion means a person who has booked to travel with the Insured Person on the same trip.\n(21) Trip means a journey that starts and ends in the Insured Person's home country during the policy period.\n(22) Valuables means laptops, tablets, mobile phones, cameras, watches and jewellery.\n\n§ 2  Limits and excess\n(1) Baggage and Personal Belongings: limit $2,000 per incident; excess $100 per claim.\n(2) Emergency Medical Expenses: limit $25,000 per incident; excess $150 per claim.\n(3) Trip Cancellation: limit $3,000 per incident; excess $100 per claim.\n(4) Travel Delay: limit $750 per incident; excess $50 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Optional cover: Travel Delay\n(1) The Insurer will pay reasonable costs of meals and accommodation if the Insured Person's outbound departure is delayed.\n(2) This section applies only if it is shown as purchased in the Insured Person's schedule.\n(3) The Insurer will not pay for any delay that is not a qualifying delay.\n\n§ 4  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 5  Trip Cancellation\n(1) The Insurer will pay non-refundable travel and accommodation costs if the Insured Person must cancel the trip for a reason beyond the Insured Person's control.\n(2) No cover applies under this section to any incident that happens within the first 7 days after the policy start date.\n(3) The most the Insurer will pay for Excursions and tickets under this section is $200 per incident.\n(4) The Insurer will not pay for cancellation caused by a strike or other event that had been publicly announced before the Insured Person bought the policy.\n(5) The Insurer will not pay for cancellation because the Insured Person no longer wish to travel.\n\n§ 6  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Insured Person gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Insured Person's claims history.\n\n§ 7  Cooperation\n(1) The Insured Person must give the Insurer all the help and information the Insurer reasonably need to settle a claim.\n(2) The Insured Person must not admit liability or offer to settle any claim without the Insurer's written permission.\n\n§ 8  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 9  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 10  Emergency Medical Expenses\n(1) The Insurer will pay reasonable and necessary emergency medical costs incurred during the trip.\n(2) The most the Insurer will pay for Dental treatment under this section is $400 per incident.\n(3) The most the Insurer will pay for Physiotherapy under this section is $300 per incident.\n(4) The Insurer will not pay for treatment of a pre-existing condition.\n(5) The Insurer will not pay for injury or illness arising from a hazardous activity. This exclusion does not apply if the Adventure Sports extension is shown in the Insured Person's schedule.\n(6) The Insurer will not pay for any claim arising from the Insured Person's being under the influence of alcohol or drugs.\n\n§ 11  Baggage and Personal Belongings\n(1) The Insurer will pay for the loss of, theft of, or damage to the Insured Person's baggage and personal belongings during the trip.\n(2) The most the Insurer will pay for Valuables under this section is $250 per incident.\n(3) The most the Insurer will pay for Sports equipment under this section is $450 per incident.\n(4) The Insurer will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Insurer will not pay for loss caused by confiscation or detention by customs or other officials.\n(6) The Insurer will not pay for damage caused by wear and tear or gradual deterioration.\n\n§ 12  Legal expenses abroad\n(1) The Insurer will pay legal costs to pursue compensation for the Insured Person's injury or death caused by a third party during the trip.\n(2) The Insurer will not pay legal costs unless the Insurer's legal adviser agrees that the claim has a reasonable prospect of success.\n\n§ 13  Arbitration\n(1) If the Insurer accepts a claim but disagree with the Insured Person about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Insurer.\n\n§ 14  Records and evidence\n(1) The Insured Person should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 15  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 16  Emergency assistance\n(1) The Insurer's emergency assistance service is available 24 hours a day on the number shown in the schedule.\n(2) The Insured Person must contact the assistance service before being admitted to hospital as an in-patient, unless it is an emergency.\n(3) The assistance service can arrange payment guarantees, interpreters and transport home.\n\n§ 17  Reasonable precautions\n(1) The Insured Person must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Insured Person must take reasonable steps to recover lost or stolen property.\n\n§ 18  Communication\n(1) The Insurer will communicate with the Insured Person in English.\n(2) The Insurer may record telephone calls for training and quality purposes.\n\n§ 19  Environmental commitment\n(1) Where practical, the Insurer will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Insured Person may ask for a new part instead, and the Insurer will tell the Insured Person whether any additional cost would apply.\n\n§ 20  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Insured Person should be sent to the address shown in the schedule.\n\n§ 21  Waiver\n(1) If the Insurer does not enforce any term of this policy, that does not mean the Insurer has given up the right to enforce it later.\n\n§ 22  Repatriation\n(1) If the Insurer's medical adviser agrees it is necessary, the Insurer will arrange and pay for the Insured Person to be brought home.\n(2) The Insurer will decide the method of transport and the time of repatriation after speaking to the treating doctor.\n\n§ 23  Automatic renewal\n(1) Unless the Insured Person tells the Insurer otherwise, this policy will renew automatically at the end of the policy period using the payment details the Insurer holds.\n(2) The Insured Person can switch off automatic renewal at any time by contacting the Insurer's helpline.\n\n§ 24  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 25  Payment of claims\n(1) The Insurer will pay claims by bank transfer to an account in the Insured Person's name.\n(2) The Insurer aims to pay accepted claims within 5 working days of receiving all the documents the Insurer needs.\n\n§ 26  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 27  Rental car excess\n(1) If the Insured Person hires a car during the trip, the Insurer will reimburse any excess the Insured Person must pay to the hire company after accidental damage to the car.\n(2) This section applies only to cars hired from a licensed rental company under a written agreement.\n\n§ 28  Third-party administrators\n(1) The Insurer may appoint another company to handle claims or other services on the Insurer's behalf.\n(2) Any company the Insurer appoints must follow the terms of this policy and applicable data protection law.\n\n§ 29  Claims documents\n(1) The Insured Person must provide, at the Insured Person's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 30  Inflation\n(1) The Insurer may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Insured Person's renewal documents; limits do not change during a policy period.\n\n§ 31  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 32  Customer support\n(1) The Insurer's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Insured Person can leave a message and the Insurer will call back on the next working day.\n\n§ 33  Renewal\n(1) The Insurer will write to the Insured Person at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 34  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 35  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Insurer will pay only the Insurer's proportionate share.\n(2) The Insured Person must tell the Insurer about any other insurance that covers the same loss when the Insured Person makes a claim.\n\n§ 36  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 37  Data protection\n(1) The Insurer will use the personal information the Insured Person provides to administer this policy and to handle claims.\n(2) The Insurer will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Insured Person can ask for a copy of the personal information the Insurer holds by writing to the Insurer's data protection officer.\n\n§ 38  Missed departure\n(1) The Insurer will pay reasonable additional travel and accommodation costs to reach the Insured Person's destination if the Insured Person arrives too late to board the Insured Person's booked transport because public transport fails.\n(2) The Insured Person must allow enough time to reach the departure point, and must obtain written confirmation of the delay from the transport operator.\n\n§ 39  Premium payment\n(1) The Insured Person must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 21 days of its due date, the Insurer may cancel the policy after giving notice.\n\n§ 40  Compensation scheme\n(1) The Insurer is covered by a financial services compensation scheme.\n(2) If the Insurer cannot meet the Insurer's obligations, the Insured Person may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 41  Personal liability\n(1) The Insurer will pay damages the Insured Person becomes legally liable to pay for accidental injury to another person or accidental damage to their property during the trip.\n(2) This section does not cover liability arising from the use of motor vehicles, boats or aircraft.\n(3) The most the Insurer will pay under this section is $5,000,000 for all claims arising from one event.\n\n§ 42  Assignment\n(1) The Insured Person cannot transfer the Insured Person's interest in this policy to anyone else without the Insurer's written consent.\n\n§ 43  Complaints\n(1) If the Insured Person has a complaint, the Insured Person should first contact the Insurer's customer relations team, quoting the policy number.\n(2) The Insurer will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Insured Person remains dissatisfied, the Insured Person may be able to refer the complaint to an independent ombudsman service.\n\n§ 44  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Insured Person must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 45  Subrogation\n(1) The Insurer will be entitled to take over and conduct in the Insured Person's name the defence or settlement of any claim.\n(2) The Insurer can take action in the Insured Person's name to recover any payment the Insurer makes from anyone responsible for the loss.\n\n§ 46  Duty of fair presentation\n(1) The Insured Person must answer all questions the Insurer asks honestly and to the best of the Insured Person's knowledge.\n(2) If the Insured Person gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Insured Person gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 47  Changes in circumstances\n(1) The Insured Person must tell the Insurer as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Insurer may then change the premium or the terms of this policy, or cancel it.\n\n§ 48  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 49  Market conditions\n(1) If the replacement item is no longer available, the Insurer will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 50  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 51  General exclusions\n(1) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n(2) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(3) The Insurer will not pay for any deliberate or criminal act by the Insured Person.\n(4) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n(5) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n\n§ 52  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 53  Interest\n(1) The Insurer will not pay interest on any claim payment unless the law requires it.\n\n§ 54  Electronic documents\n(1) The Insurer will send documents by email unless the Insured Person asks for paper copies.\n(2) The Insured Person must tell the Insurer if the Insured Person's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 55  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 56  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Insured Person to repay the amount.\n\n§ 57  Change of address\n(1) The Insured Person must tell the Insurer within 30 days if the Insured Person changes the Insured Person's address.\n(2) The Insurer may change the premium or the terms from the date of the move.\n\n§ 58  Instalment agreements\n(1) If the Insured Person pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 59  Making a claim\n(1) The Insured Person must notify the Insurer of a claim within 30 days of the incident. The Insurer will not pay any claim notified after that time.\n(2) The Insurer may appoint a loss adjuster to investigate any claim.\n(3) The Insured Person must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 60  Cancellation\n(1) The Insured Person can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Insured Person can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $30.\n(3) The Insurer can cancel this policy by giving the Insured Person 30 days' written notice to the last address the Insurer holds.\n\n=== CLAIM ===\nClaim summary: Nia Gallagher; policy D158788; policy start 18 September 2026; schedule covers Baggage and Personal Belongings, Emergency Medical Expenses, Trip Cancellation, Travel Delay; extensions none. Section claimed: Trip Cancellation, for a non-refundable guided tour package. Incident date 27 September 2026; notified 22 October 2026; assessed loss $3,085.50. Facts: Nia decided not to travel after finding a cheaper holiday elsewhere. Nia was travelling with two colleagues.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_limit": "Pay up to the Trip Cancellation limit", "deny_waiting": "Decline: the incident happened during the waiting period (§ 5(2))", "deny_known_event": "Decline under the known events exclusion (§ 5(4))", "not_covered": "Decline: Trip Cancellation is not a cover shown in the schedule", "deny_change_of_mind": "Decline under the disinclination to travel exclusion (§ 5(5))"}, "src": "hard_long_policy", "label": "deny_change_of_mind"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$2,985.50", "b": "$3,085.50", "c": "$2,900", "d": "$0", "e": "$3,000"}, "src": "hard_long_policy", "label": "d"}}, "_meta": {"id": "hard-v1/long_policy/development/00024", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00024", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "travel", "target": "deny_exclusion", "category": "cancellation", "tempting": null, "facts": {"domain": "travel", "fee_order": "before", "notice_days": 30, "categories": {"baggage": {"limit": 2000, "fee": 100, "waiting": 0, "purchased": true}, "medical": {"limit": 25000, "fee": 150, "waiting": 0, "purchased": true}, "cancellation": {"limit": 3000, "fee": 100, "waiting": 7, "purchased": true}, "delay": {"limit": 750, "fee": 50, "waiting": 0, "purchased": true}}, "classes": {"valuables": {"category": "baggage", "cap": 250}, "sports": {"category": "baggage", "cap": 450}, "dental": {"category": "medical", "cap": 400}, "physio": {"category": "medical", "cap": 300}, "excursions": {"category": "cancellation", "cap": 200}}, "exclusions": [{"key": "unattended", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "confiscation", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pre_existing", "categories": ["medical"], "kind": "threshold", "thr": 3, "cmp": "le", "has_exception": false}, {"key": "hazardous", "categories": ["medical"], "kind": "threshold", "thr": 3000, "cmp": "gt", "has_exception": true}, {"key": "intoxication", "categories": ["medical"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "known_event", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "change_of_mind", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "short_delay", "categories": ["delay"], "kind": "threshold", "thr": 8, "cmp": "le", "has_exception": false}], "case": {"category": "cancellation", "item": "the tour package", "item_class": null, "loss_cents": 308550, "start": "2026-09-18", "incident": "2026-09-27", "reported": "2026-10-22", "conditions": {"change_of_mind": true}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"pay_limit": "pay_limit", "deny_waiting": "deny_waiting", "deny_known_event": "deny_known_event", "not_covered": "not_covered", "deny_change_of_mind": "deny_change_of_mind"}, "amount": {"a": 298550, "b": 308550, "c": 290000, "d": 0, "e": 300000}}}, "text_sha256": "57f41117bcbf0083fc1740f97507378912519fcc7dce7db131cad26c4dd0a6f3", "state_tokens": 4911}}
{"state": "MEMO\nRe: Meeting across time zones\n\nA call is scheduled for Wednesday, September 30, 3:00 AM Tokyo time. On that date Tokyo is on UTC+9 and Singapore is on UTC+8. One attendee is in Singapore.", "questions": {"local": {"type": "choice", "instructions": "Local start time in Singapore:", "criteria": {"a": "Thursday, October 1, 2:00 AM", "b": "Wednesday, September 30, 2:00 AM", "c": "Wednesday, September 30, 3:00 AM", "d": "Wednesday, September 30, 4:00 AM", "e": "Wednesday, September 30, 1:00 AM"}, "src": "hard_temporal_numeric", "label": "b"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00020", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00020", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "tz", "facts": {"kind": "tz", "start": "2026-09-30T03:00", "off_a": 9, "off_b": 8, "options_q": {"local": {"a": "2026-10-01T02:00", "b": "2026-09-30T02:00", "c": "2026-09-30T03:00", "d": "2026-09-30T04:00", "e": "2026-09-30T01:00"}}}, "text_sha256": "526a9fecec5d19fe3255a63fc499baba38f350842b05ca37fe2f51a67a969507", "state_tokens": 54}}
{"state": "REVIEW REQUEST\nItem: Posts are placed every 10 metres along a straight 290-metre fence, with a post at both ends. How many posts are needed?\nSubmitted result: Final answer: 29 posts", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "2,900 posts", "b": "31 posts", "c": "30 posts", "d": "29 posts"}, "src": "hard_judge", "label": "c"}}, "_meta": {"id": "hard-v1/judge/development/00088", "source": "hard_judge", "group_id": "hard-v1/judge/development/00088", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "fence", "error": "fencepost", "facts": {"kind": "fence", "args": {"length": 290, "gap": 10}, "dp": 0, "proposed": 29, "error": "fencepost", "options_q": {"value": {"a": 2900, "b": 31, "c": 30, "d": 29}}}, "text_sha256": "29f92edd3e6a7ca8e6eb1174f7334d7c0dcef37f616c37b872973a3f3eb7ee2a", "state_tokens": 49}}
{"state": "MEMO\nRe: Warranty\n\nThe warranty covers manufacturing defects for 24 months from the purchase date. Accidental damage is never covered. Sana Costa bought a coffee machine on 14 March 2026. Sana made a warranty claim on 4 April 2027.\n\nThe technician's report on the cause has not come back yet. Sana registered the machine online.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"repair_under_warranty": "Repair under warranty", "not_enough_information": "The information given is not enough to decide", "not_covered": "Not covered by the warranty"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00069", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00068", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "warranty", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": true, "facts": {"scenario": "warranty", "insufficient_key": "not_enough_information", "params": {"months": 24, "purchase": "2026-03-14", "claim": "2027-04-04", "cause": null}, "deciding_present": false, "options_q": {"decision": {"repair_under_warranty": "repair_under_warranty", "not_enough_information": "not_enough_information", "not_covered": "not_covered"}}}, "text_sha256": "a013523d0f5586a07e180f46e0a91f15d2d349210bd2cd5162067d866643c4a0", "state_tokens": 84}}
{"state": "MEMO\nRe: Shift pay check\n\nA warehouse worker clocked in at 14:00 on October 17, 2026 and clocked out at 23:30. They took a 60-minute unpaid break. The hourly rate is $28.50.\n\nPaid time beyond 8 hours in a shift is paid at 1.5 times the hourly rate.", "questions": {"pay": {"type": "choice", "instructions": "Shift pay due:", "criteria": {"a": "$292.13", "b": "$363.38", "c": "$249.38", "d": "$270.75", "e": "$242.25"}, "src": "hard_temporal_numeric", "label": "c"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00040", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00040", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "shift", "overtime": true, "facts": {"kind": "shift", "start": "2026-10-17T14:00", "end": "2026-10-17T23:30", "break_min": 60, "rate_cents": 2850, "ot_after_h": 8, "options_q": {"pay": {"a": 29213, "b": 36338, "c": 24938, "d": 27075, "e": 24225}}}, "text_sha256": "7bf809c7268f2b387bb8a436a28624b181de3203bddf2f162a45d89b77b9e0f4", "state_tokens": 88}}
{"state": "REVIEW REQUEST\nItem: Convert 368 kilograms to pounds (1 pound = 0.45359237 kg). Give the answer to one decimal place.\nSubmitted result: Pretty sure it's 811.3 pounds", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "811.4 pounds", "b": "811.3 pounds", "c": "8,113.0 pounds", "d": "166.9 pounds", "e": "812.3 pounds"}, "src": "hard_judge", "label": "b"}}, "_meta": {"id": "hard-v1/judge/development/00037", "source": "hard_judge", "group_id": "hard-v1/judge/development/00037", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "convert", "error": null, "facts": {"kind": "convert", "args": {"x": "368", "factor": "100000000/45359237", "offset": 0}, "dp": 1, "proposed": 8113, "error": null, "options_q": {"value": {"a": 8114, "b": 8113, "c": 81130, "d": 1669, "e": 8123}}}, "text_sha256": "06acb4d4bfdf60ed25571a68805a9d295b3cc8344042e749c6f8993c0f47cfb4", "state_tokens": 54}}
{"state": "MEMO\nRe: Group structure\n\nAn entity controls a company if it holds more than 50% of that company's shares, counting shares it holds directly and shares held by companies it controls. Hollis Investments owns 40% of Fenwick Industries. Eastgate Partners owns 36% of Dunmore Ventures.\n\nDunmore Ventures owns 60% of Fenwick Industries. Aldermoor Holdings owns 64% of Dunmore Ventures.", "questions": {"controller": {"type": "choice", "instructions": "Name the ultimate controller of Fenwick Industries.", "criteria": {"eastgate_partners": null, "hollis_investments": null, "no_controller": "No entity controls it", "dunmore_ventures": null, "aldermoor_holdings": null}, "src": "hard_multi_hop", "label": "aldermoor_holdings"}, "interest": {"type": "choice", "instructions": "What is Aldermoor Holdings's effective economic interest in Fenwick Industries (its share of Fenwick Industries's profits through all holdings)?", "criteria": {"a": "60.0%", "b": "76.8%", "c": "64.0%", "d": "38.4%"}, "src": "hard_multi_hop", "label": "d"}}, "_meta": {"id": "hard-v1/multi_hop/development/00055", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00055", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "ownership", "shape": "chain", "facts": {"kind": "ownership", "stakes": {"Dunmore Ventures": {"Aldermoor Holdings": "64/100", "Eastgate Partners": "36/100"}, "Fenwick Industries": {"Dunmore Ventures": "60/100", "Hollis Investments": "40/100"}}, "candidates": ["Aldermoor Holdings", "Dunmore Ventures", "Hollis Investments", "Eastgate Partners"], "target": "Fenwick Industries", "top": "Aldermoor Holdings", "options_q": {"controller": {"eastgate_partners": "eastgate_partners", "hollis_investments": "hollis_investments", "no_controller": "no_controller", "dunmore_ventures": "dunmore_ventures", "aldermoor_holdings": "aldermoor_holdings"}, "interest": {"a": 600, "b": 768, "c": 640, "d": 384}}}, "text_sha256": "851260af49bc01857bee263c1972d2a929185fe9b14c994634a63e6d7dd99571", "state_tokens": 96}}
{"state": "SPEC SHEET: a freight carrier for the Rotterdam to Milan lane\nRhenus Line | price per shipment=$1,700 | transit time=6 days | damage rate=2.55% | vendor stability score=10/10 | ease of use score=7/10 | security score=3/10 | temperature-controlled trailers=no | live GPS tracking=yes\nKestrel Haulage | price per shipment=$3,425 | transit time=10 days | damage rate=0.95% | vendor stability score=6/10 | ease of use score=5/10 | security score=5/10 | temperature-controlled trailers=yes | live GPS tracking=yes\nMeridian Cargo | price per shipment=$2,550 | transit time=4 days | damage rate=1.85% | vendor stability score=4/10 | ease of use score=7/10 | security score=3/10 | temperature-controlled trailers=yes | live GPS tracking=yes\nPortway | price per shipment=$3,400 | transit time=9 days | damage rate=0.20% | vendor stability score=6/10 | ease of use score=7/10 | security score=5/10 | temperature-controlled trailers=yes | live GPS tracking=no\nVireo Transport | price per shipment=$2,800 | transit time=2 days | damage rate=2.50% | vendor stability score=4/10 | ease of use score=7/10 | security score=6/10 | temperature-controlled trailers=yes | live GPS tracking=yes\nR1: it must offer temperature-controlled trailers\nSelection: Each option has been scored from 1 to 10 on vendor stability, ease of use and security (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 60% vendor stability, 25% ease of use, 15% security.", "questions": {"choice": {"type": "choice", "instructions": "Which carrier best satisfies the brief?", "criteria": {"kestrel_haulage": null, "portway": null, "meridian_cargo": null, "rhenus_line": null, "vireo_transport": null}, "src": "hard_tradeoff", "label": "portway"}, "meets": {"type": "noul", "instructions": "Is Portway compliant with all the hard requirements?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00071", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00071", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "carrier", "none_case": false, "facts": {"rule": "weighted", "options": {"Rhenus Line": {"cost": 1700, "transit": 6, "damage": 255, "reefer": false, "tracking": true, "vendor stability": 10, "ease of use": 7, "security": 3}, "Kestrel Haulage": {"cost": 3425, "transit": 10, "damage": 95, "reefer": true, "tracking": true, "vendor stability": 6, "ease of use": 5, "security": 5}, "Meridian Cargo": {"cost": 2550, "transit": 4, "damage": 185, "reefer": true, "tracking": true, "vendor stability": 4, "ease of use": 7, "security": 3}, "Portway": {"cost": 3400, "transit": 9, "damage": 20, "reefer": true, "tracking": false, "vendor stability": 6, "ease of use": 7, "security": 5}, "Vireo Transport": {"cost": 2800, "transit": 2, "damage": 250, "reefer": true, "tracking": true, "vendor stability": 4, "ease of use": 7, "security": 6}}, "constraints": [{"attr": "reefer", "op": "is", "value": true}], "priority": [], "weights": {"vendor stability": 60, "ease of use": 25, "security": 15}, "years": null, "check": "Portway", "options_q": {"choice": {"kestrel_haulage": "kestrel_haulage", "portway": "portway", "meridian_cargo": "meridian_cargo", "rhenus_line": "rhenus_line", "vireo_transport": "vireo_transport"}}}, "text_sha256": "5d9656bb0a570b9d00679af2bf52700876439ffa8e6e7c9561685c5e016c25cc", "state_tokens": 425}}
{"state": "MEMO\nRe: Tenure\n\nEmployees are eligible for a sabbatical once they have completed 5 years of continuous employment with the company on the date they apply. Idris Novak applied for the sabbatical on 2026-11-25. Idris moved to the Payments team on 2023-09-23.\n\nIdris's manager supports the application.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "not_eligible": "Not yet eligible", "eligible": "Eligible for the sabbatical"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00039", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00038", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "tenure", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": false, "facts": {"scenario": "tenure", "insufficient_key": "not_enough_information", "params": {"years": 5, "apply": "2026-11-25", "hired": null, "moved": "2023-09-23"}, "deciding_present": false, "options_q": {"decision": {"not_enough_information": "not_enough_information", "not_eligible": "not_eligible", "eligible": "eligible"}}}, "text_sha256": "39ce5c172e72f6c75445c7711ca4606218476b7080864de3e7534b6f8c181d3c", "state_tokens": 89}}
{"state": "MEMO\nRe: Outage: user-profile\n\nOutages propagate along hard dependencies: if a service goes down, every service that depends on it, directly or through other hard dependencies, is affected. Soft dependencies do not propagate outages. pricing-engine depends on user-profile. email-relay depends on ledger-service.\n\nnotification-hub depends on ledger-service. search-indexer depends on pricing-engine. user-profile depends on reporting-etl.\n\ncdn-edge depends on email-relay. user-profile is currently down.", "questions": {"affected": {"type": "choice", "instructions": "Which of these will the outage reach?", "criteria": {"notification_hub": null, "search_indexer": null, "none_affected": "None of these services is affected", "reporting_etl": null, "email_relay": null}, "src": "hard_multi_hop", "label": "search_indexer"}}, "_meta": {"id": "hard-v1/multi_hop/development/00024", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00024", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "deps", "hops": 2, "soft": false, "facts": {"kind": "deps", "edges": [["pricing-engine", "user-profile", false], ["search-indexer", "pricing-engine", false], ["user-profile", "reporting-etl", false], ["email-relay", "ledger-service", false], ["notification-hub", "ledger-service", false], ["cdn-edge", "email-relay", false]], "down": "user-profile", "candidates": ["search-indexer", "reporting-etl", "notification-hub", "email-relay"], "options_q": {"affected": {"notification_hub": "notification_hub", "search_indexer": "search_indexer", "none_affected": "none_affected", "reporting_etl": "reporting_etl", "email_relay": "email_relay"}}}, "text_sha256": "f3048add7dff9813b710d6966af34d98c90bffe65d2d7816812d6628fb2f8d57", "state_tokens": 104}}
{"state": "REVIEW REQUEST\nItem: An order has 8 notebooks at $23.58 each and 4 desk lamps at $39.76 each. A 20% discount applies to the whole order, and then 6% sales tax is added. What is the final total, to the nearest cent?\nSubmitted result: $328.55", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$278.14", "b": "$299.00", "c": "$294.83", "d": "$328.55", "e": "$193.68"}, "src": "hard_judge", "label": "c"}}, "_meta": {"id": "hard-v1/judge/development/00091", "source": "hard_judge", "group_id": "hard-v1/judge/development/00091", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "order", "error": "discount_first_line", "facts": {"kind": "order", "args": {"q1": 8, "p1": "1179/50", "q2": 4, "p2": "994/25", "d": "1/5", "tax": "3/50"}, "dp": 2, "proposed": 32855, "error": "discount_first_line", "options_q": {"value": {"a": 27814, "b": 29900, "c": 29483, "d": 32855, "e": 19368}}}, "text_sha256": "7a27e5e5cafa7c746b9bc4527abe0634f63fc5782bddfb34d1e1b50e13d83e1d", "state_tokens": 78}}
{"state": "REVIEW REQUEST\nItem: Machine A packs 93 boxes per hour and machine B packs 68 boxes per hour. Working together, how many hours do they need to pack 1,127 boxes? Give one decimal place.\nSubmitted result: I think 14.0 hours", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "12.1 hours", "b": "7.0 hours", "c": "28.7 hours", "d": "14.0 hours", "e": "14.1 hours"}, "src": "hard_judge", "label": "b"}}, "_meta": {"id": "hard-v1/judge/development/00094", "source": "hard_judge", "group_id": "hard-v1/judge/development/00094", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "rate", "error": "average_rate", "facts": {"kind": "rate", "args": {"items": 1127, "r1": 93, "r2": 68}, "dp": 1, "proposed": 140, "error": "average_rate", "options_q": {"value": {"a": 121, "b": 70, "c": 287, "d": 140, "e": 141}}}, "text_sha256": "ff03ff20b3d84e641cf8ab9e4fc68d685b58d530c3f4f31ca04dd5277bec3ce2", "state_tokens": 62}}
{"state": "HOME CONTENTS INSURANCE POLICY\nIssued by Oakfield Assurance\nIn this policy, \"the Insurer\" means Oakfield Assurance and \"the Policyholder\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Bicycles means bicycles and electric scooters.\n(2) Contents means household goods and personal possessions that belong to the Policyholder or the Policyholder's family.\n(3) High-risk items means jewellery, watches, laptops, games consoles and cameras.\n(4) Outbuilding means a shed, garage or greenhouse within the boundaries of the home.\n(5) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(6) Unoccupied means not lived in by the Policyholder or a member of the Policyholder's family for more than 60 consecutive days.\n\n§ 2  Limits and excess\n(1) Theft: limit $20,000 per incident; excess $250 per claim.\n(2) Escape of Water: limit $30,000 per incident; excess $1,000 per claim.\n(3) Accidental Damage: limit $5,000 per incident; excess $50 per claim.\n(4) Flood: limit $20,000 per incident; excess $500 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Theft\n(1) The Insurer will pay for contents stolen from the Policyholder's home.\n(2) The most the Insurer will pay for High-risk items under this section is $2,500 per incident.\n(3) The most the Insurer will pay for Bicycles under this section is $800 per incident.\n(4) The Insurer will not pay for theft while the home is unoccupied.\n(5) The Insurer will not pay for theft where there is no sign of forced entry to the home. This exclusion does not apply where the thief gained entry by deception, for example by posing as a utility worker.\n(6) The Insurer will not pay for theft from sheds, garages or other outbuildings. This exclusion does not apply if the outbuilding was locked and the theft involved forcible entry.\n\n§ 4  General exclusions\n(1) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(2) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n(3) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n\n§ 5  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 6  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 7  Inflation\n(1) The Insurer may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Policyholder's renewal documents; limits do not change during a policy period.\n\n§ 8  Contents temporarily removed\n(1) The Policyholder's contents are covered while temporarily removed from the home to another building in the same country, for up to 60 days.\n(2) Contents in a student hall of residence are covered only if the student is a member of the Policyholder's family.\n\n§ 9  Change of address\n(1) The Policyholder must tell the Insurer within 30 days if the Policyholder changes the Policyholder's address.\n(2) The Insurer may change the premium or the terms from the date of the move.\n\n§ 10  Cooperation\n(1) The Policyholder must give the Insurer all the help and information the Insurer reasonably need to settle a claim.\n(2) The Policyholder must not admit liability or offer to settle any claim without the Insurer's written permission.\n\n§ 11  Making a claim\n(1) The Insurer may appoint a loss adjuster to investigate any claim.\n(2) The Policyholder must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Policyholder must notify the Insurer of a claim within 30 days of the incident. The Insurer will not pay any claim notified after that time.\n\n§ 12  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 13  Alternative accommodation\n(1) If the Policyholder's home cannot be lived in after damage covered by this policy, the Insurer will pay the reasonable cost of comparable temporary accommodation.\n(2) The Insurer will also pay for the temporary housing of pets that live with the Policyholder.\n(3) Cover ends when the home is fit to live in again or after twelve months, whichever is sooner.\n\n§ 14  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 15  Locks and keys\n(1) If the keys to the Policyholder's home are lost or stolen, the Insurer will pay the cost of replacing the locks to the outside doors.\n(2) The most the Insurer will pay under this clause is $500 for any one claim.\n\n§ 16  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n=== CLAIM ===\nClaim summary: Felix Silva; policy T811230; policy start 26 June 2026; schedule covers Theft, Escape of Water, Accidental Damage, Flood; extensions none. Section claimed: Theft, for a television. Incident date 27 January 2027; notified 27 January 2027; assessed loss $16,661.50. Facts: A man posing as a gas engineer was let in by Felix and took the television while Felix was in another room. Police found no sign of forced entry. The building is a converted warehouse with six flats. Felix has lived at the property for four years. A neighbour reported the incident to the building manager.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_limit": "Pay up to the Theft limit", "deny_no_forced_entry": "Decline under the theft without forced entry exclusion (§ 3(5))", "deny_unoccupied": "Decline under the unoccupied home exclusion (§ 3(4))", "deny_late": "Decline: the claim was notified too late (§ 11(3))", "pay_less_fee": "Pay the assessed loss less the excess"}, "src": "hard_long_policy", "label": "pay_less_fee"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$16,661.50", "b": "$19,750", "c": "$20,000", "d": "$2,250", "e": "$16,411.50"}, "src": "hard_long_policy", "label": "e"}}, "_meta": {"id": "hard-v1/long_policy/development/00097", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00097", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "home", "target": "pay_less_fee", "category": "theft", "tempting": "no_forced_entry", "facts": {"domain": "home", "fee_order": "before", "notice_days": 30, "categories": {"theft": {"limit": 20000, "fee": 250, "waiting": 0, "purchased": true}, "water": {"limit": 30000, "fee": 1000, "waiting": 0, "purchased": true}, "accidental": {"limit": 5000, "fee": 50, "waiting": 0, "purchased": true}, "flood": {"limit": 20000, "fee": 500, "waiting": 30, "purchased": true}}, "classes": {"high_risk": {"category": "theft", "cap": 2500}, "bicycles": {"category": "theft", "cap": 800}, "art": {"category": "water", "cap": 2000}, "portable": {"category": "accidental", "cap": 500}, "garden": {"category": "flood", "cap": 1000}}, "exclusions": [{"key": "unoccupied", "categories": ["theft"], "kind": "threshold", "thr": 60, "cmp": "gt", "has_exception": false}, {"key": "no_forced_entry", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "outbuilding", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "gradual", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "sealant", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pets", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear_home", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "flood_warning", "categories": ["flood"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "theft", "item": "the television", "item_class": null, "loss_cents": 1666150, "start": "2026-06-26", "incident": "2027-01-27", "reported": "2027-01-27", "conditions": {"no_forced_entry": true}, "values": {}, "exceptions": {"no_forced_entry": true}}, "options_q": {"outcome": {"pay_limit": "pay_limit", "deny_no_forced_entry": "deny_no_forced_entry", "deny_unoccupied": "deny_unoccupied", "deny_late": "deny_late", "pay_less_fee": "pay_less_fee"}, "amount": {"a": 1666150, "b": 1975000, "c": 2000000, "d": 225000, "e": 1641150}}}, "text_sha256": "4415890fe67c11afbb52b284a388398c363e5f2f62eb2695658b808dec5a089d", "state_tokens": 1508}}
{"state": "SPEC SHEET: a payment processor for the online store\nCoinbridge | fee per transaction=2.05% | payout delay=7 days | uptime commitment=99.65% | multi-currency settlement=yes | a chargeback protection service=yes\nLedgerly | fee per transaction=2.10% | payout delay=4 days | uptime commitment=99.74% | multi-currency settlement=no | a chargeback protection service=yes\nQuickcheck | fee per transaction=2.00% | payout delay=1 days | uptime commitment=99.55% | multi-currency settlement=no | a chargeback protection service=no\nPaylane | fee per transaction=2.80% | payout delay=4 days | uptime commitment=99.91% | multi-currency settlement=yes | a chargeback protection service=yes\nR1: its fee per transaction must be at most 2.05%\nR2: it must offer a chargeback protection service\nSelection: Among the options that meet every requirement, choose the one with the highest uptime commitment; if two or more are tied on uptime commitment, choose the one with the lowest payout delay.", "questions": {"choice": {"type": "choice", "instructions": "Which processor best satisfies the brief?", "criteria": {"paylane": null, "quickcheck": null, "coinbridge": null, "ledgerly": null}, "src": "hard_tradeoff", "label": "coinbridge"}, "meets": {"type": "noul", "instructions": "Does Paylane pass the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00062", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00062", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "processor", "none_case": false, "facts": {"rule": "lex", "options": {"Coinbridge": {"cost": 205, "payout": 7, "uptime": 9965, "multicurrency": true, "disputes": true}, "Ledgerly": {"cost": 210, "payout": 4, "uptime": 9974, "multicurrency": false, "disputes": true}, "Quickcheck": {"cost": 200, "payout": 1, "uptime": 9955, "multicurrency": false, "disputes": false}, "Paylane": {"cost": 280, "payout": 4, "uptime": 9991, "multicurrency": true, "disputes": true}}, "constraints": [{"attr": "cost", "op": "<=", "value": 205}, {"attr": "disputes", "op": "is", "value": true}], "priority": [["uptime", "higher"], ["payout", "lower"]], "weights": {}, "years": null, "check": "Paylane", "options_q": {"choice": {"paylane": "paylane", "quickcheck": "quickcheck", "coinbridge": "coinbridge", "ledgerly": "ledgerly"}}}, "text_sha256": "f7c1dc324daf764f80cf80160c483c26e63a8b71bfaa5f91f7f495d6ef0569b9", "state_tokens": 249}}
{"state": "MEMO\nRe: Meeting across time zones\n\nA call is scheduled for Wednesday, March 31, 4:45 AM Auckland time. On that date Auckland is on UTC+12 and Singapore is on UTC+8. One attendee is in Singapore.", "questions": {"local": {"type": "choice", "instructions": "Local start time in Singapore:", "criteria": {"a": "Wednesday, March 31, 12:45 AM", "b": "Wednesday, March 31, 8:45 AM", "c": "Tuesday, March 30, 11:45 PM", "d": "Wednesday, March 31, 1:45 AM", "e": "Thursday, April 1, 12:45 AM"}, "src": "hard_temporal_numeric", "label": "a"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00006", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00006", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "tz", "facts": {"kind": "tz", "start": "2027-03-31T04:45", "off_a": 12, "off_b": 8, "options_q": {"local": {"a": "2027-03-31T00:45", "b": "2027-03-31T08:45", "c": "2027-03-30T23:45", "d": "2027-03-31T01:45", "e": "2027-04-01T00:45"}}}, "text_sha256": "3013088c9198d8076213a7fca0d43d7f0c6cce2a67298aab2f14bbb9789747cf", "state_tokens": 55}}
{"state": "MEMO\nRe: Alert from blob store\n\nPaging rule: an alert pages the owning team's primary on-call; if the primary is on leave that day, it pages the secondary; if the secondary is also on leave, it pages the team's engineering manager. This week's Mobile primary on-call is Ashok and the secondary is Kwame. Ashok is on leave from January 28, 2026 to February 4, 2026 inclusive.\n\nThe Mobile engineering manager is Hugo. This week's Identity primary on-call is Jonas and the secondary is Ravi. The Identity engineering manager is Emeka.\n\nJonas is on leave from January 24, 2026 to January 26, 2026 inclusive. The Data Platform engineering manager is Chloe. This week's Data Platform primary on-call is Nadia and the secondary is Ines.\n\nAlerts from the event pipeline are owned by the Identity team. Alerts from the blob store are owned by the Mobile team. Alerts from the push gateway are owned by the Data Platform team.\n\nNadia is on leave from January 25, 2026 to January 30, 2026 inclusive. Alerts from the login service are owned by the Mobile team. On January 26, 2026, an alert fired from the blob store.", "questions": {"paged": {"type": "choice", "instructions": "Who is the right person to page?", "criteria": {"hugo": null, "ashok": null, "nadia": null, "kwame": null}, "src": "hard_multi_hop", "label": "ashok"}}, "_meta": {"id": "hard-v1/multi_hop/development/00028", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00028", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "oncall", "facts": {"kind": "oncall", "routes": {"login service": "Mobile", "push gateway": "Data Platform", "event pipeline": "Identity", "blob store": "Mobile"}, "primary": {"Mobile": "Ashok", "Data Platform": "Nadia", "Identity": "Jonas"}, "secondary": {"Mobile": "Kwame", "Data Platform": "Ines", "Identity": "Ravi"}, "manager": {"Mobile": "Hugo", "Data Platform": "Chloe", "Identity": "Emeka"}, "leave": {"Ashok": [["2026-01-28", "2026-02-04"]], "Nadia": [["2026-01-25", "2026-01-30"]], "Jonas": [["2026-01-24", "2026-01-26"]]}, "component": "blob store", "date": "2026-01-26", "options_q": {"paged": {"hugo": "hugo", "ashok": "ashok", "nadia": "nadia", "kwame": "kwame"}}}, "text_sha256": "71efcb137e59ec29e107822aa085eebe15601bbaeb2583bdbcf3f9d2bcbb0534", "state_tokens": 289}}
{"state": "MEMO\nRe: Quarterly breakdown\n\nCounts of checkout sessions yesterday by device and outcome: mobile: 219 abandoned cart, 208 completed purchase. desktop: 391 abandoned cart, 93 completed purchase.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, Among mobile records, what share were abandoned cart?", "criteria": {"a": "67.0%", "b": "51.3%", "c": "46.9%", "d": "35.9%", "e": "24.0%"}, "src": "hard_probability", "label": "b"}}, "_meta": {"id": "hard-v1/probability/development/00079", "source": "hard_probability", "group_id": "hard-v1/probability/development/00079", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "table", "facts": {"kind": "table", "p": {}, "counts": {"mobile": {"abandoned cart": 219, "completed purchase": 208}, "desktop": {"abandoned cart": 391, "completed purchase": 93}}, "row": "mobile", "col": "abandoned cart", "ask": "col_given_row", "options_q": {"value": {"a": 670, "b": 513, "c": 469, "d": 359, "e": 240}}}, "text_sha256": "2baa4d636525e0e0b88ec9c9592bde91477d2716bc48724b443bd3a6d6926fbc", "state_tokens": 49}}
{"state": "REVIEW REQUEST\nItem: An order has 11 notebooks at $70.32 each and 1 desk lamps at $9.61 each. A 25% discount applies to the whole order, and then 6% sales tax is added. What is the final total, to the nearest cent?\nSubmitted result: $803.62", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$625.14", "b": "$587.35", "c": "$634.34", "d": "$803.62", "e": "$622.59"}, "src": "hard_judge", "label": "e"}}, "_meta": {"id": "hard-v1/judge/development/00048", "source": "hard_judge", "group_id": "hard-v1/judge/development/00048", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "order", "error": "flat_discount", "facts": {"kind": "order", "args": {"q1": 11, "p1": "1758/25", "q2": 1, "p2": "961/100", "d": "1/4", "tax": "3/50"}, "dp": 2, "proposed": 80362, "error": "flat_discount", "options_q": {"value": {"a": 62514, "b": 58735, "c": 63434, "d": 80362, "e": 62259}}}, "text_sha256": "5ca4f282a77b9e6a8b92ffba3a4f05ca51007139809a9d53681a332833839f9a", "state_tokens": 78}}
{"state": "ANNUAL MULTI-TRIP TRAVEL COVER\nIssued by Compass Mutual\nIn this policy, \"the Insurer\" means Compass Mutual and \"the Insured Person\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(2) Dental treatment means treatment of the teeth or gums.\n(3) Excursions and tickets means pre-booked excursions, tours, and event or theatre tickets.\n(4) Family means the Insured Person's spouse or partner and any children who live with the Insured Person.\n(5) Hazardous activity means skydiving, motor racing, or trekking or climbing above 4,000 metres.\n(6) Limit means the most the Insurer will pay for all claims under a section arising from one incident.\n(7) Physiotherapy means treatment of muscles and joints by a physiotherapist.\n(8) Policy period means twelve months from the policy start date shown in the Insured Person's schedule.\n(9) Pre-existing condition means any illness or injury for which the Insured Person received treatment or advice in the 12 months before the policy start date.\n(10) Public transport means any scheduled train, bus, coach, ferry or aircraft.\n(11) Qualifying delay means a delay to the scheduled departure of more than 12 hours.\n(12) Sports equipment means skis, snowboards, golf clubs, surfboards and bicycles.\n(13) Territory means the countries in which cover applies, as shown in the schedule.\n(14) Trip means a journey that starts and ends in the Insured Person's home country during the policy period.\n(15) Valuables means laptops, tablets, mobile phones, cameras, watches and jewellery.\n\n§ 2  Limits and excess\n(1) Baggage and Personal Belongings: limit $2,000 per incident; excess $75 per claim.\n(2) Emergency Medical Expenses: limit $10,000 per incident; excess $250 per claim.\n(3) Trip Cancellation: limit $2,000 per incident; excess $100 per claim.\n(4) Travel Delay: limit $500 per incident; excess $25 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the excess is then deducted from the result.\n\n§ 3  Optional cover: Travel Delay\n(1) The Insurer will pay reasonable costs of meals and accommodation if the Insured Person's outbound departure is delayed.\n(2) This section applies only if it is shown as purchased in the Insured Person's schedule.\n(3) The Insurer will not pay for any delay that is not a qualifying delay.\n\n§ 4  Baggage and Personal Belongings\n(1) The Insurer will pay for the loss of, theft of, or damage to the Insured Person's baggage and personal belongings during the trip.\n(2) The most the Insurer will pay for Valuables under this section is $500 per incident.\n(3) The most the Insurer will pay for Sports equipment under this section is $300 per incident.\n(4) The Insurer will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Insurer will not pay for loss caused by confiscation or detention by customs or other officials.\n(6) The Insurer will not pay for damage caused by wear and tear or gradual deterioration.\n\n§ 5  Legal expenses abroad\n(1) The Insurer will pay legal costs to pursue compensation for the Insured Person's injury or death caused by a third party during the trip.\n(2) The Insurer will not pay legal costs unless the Insurer's legal adviser agrees that the claim has a reasonable prospect of success.\n\n§ 6  Personal liability\n(1) The Insurer will pay damages the Insured Person becomes legally liable to pay for accidental injury to another person or accidental damage to their property during the trip.\n(2) This section does not cover liability arising from the use of motor vehicles, boats or aircraft.\n(3) The most the Insurer will pay under this section is $5,000,000 for all claims arising from one event.\n\n§ 7  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 8  Data protection\n(1) The Insurer will use the personal information the Insured Person provides to administer this policy and to handle claims.\n(2) The Insurer will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Insured Person can ask for a copy of the personal information the Insurer holds by writing to the Insurer's data protection officer.\n\n§ 9  Communication\n(1) The Insurer will communicate with the Insured Person in English.\n(2) The Insurer may record telephone calls for training and quality purposes.\n\n§ 10  Repatriation\n(1) If the Insurer's medical adviser agrees it is necessary, the Insurer will arrange and pay for the Insured Person to be brought home.\n(2) The Insurer will decide the method of transport and the time of repatriation after speaking to the treating doctor.\n\n§ 11  Trip Cancellation\n(1) The Insurer will pay non-refundable travel and accommodation costs if the Insured Person must cancel the trip for a reason beyond the Insured Person's control.\n(2) No cover applies under this section to any incident that happens within the first 7 days after the policy start date.\n(3) The most the Insurer will pay for Excursions and tickets under this section is $200 per incident.\n(4) The Insurer will not pay for cancellation caused by a strike or other event that had been publicly announced before the Insured Person bought the policy.\n(5) The Insurer will not pay for cancellation because the Insured Person no longer wish to travel.\n\n§ 12  Emergency Medical Expenses\n(1) The Insurer will pay reasonable and necessary emergency medical costs incurred during the trip.\n(2) The most the Insurer will pay for Dental treatment under this section is $400 per incident.\n(3) The most the Insurer will pay for Physiotherapy under this section is $500 per incident.\n(4) The Insurer will not pay for treatment of a pre-existing condition.\n(5) The Insurer will not pay for injury or illness arising from a hazardous activity. This exclusion does not apply if the Adventure Sports extension is shown in the Insured Person's schedule.\n(6) The Insurer will not pay for any claim arising from the Insured Person's being under the influence of alcohol or drugs.\n\n§ 13  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 14  Changes in circumstances\n(1) The Insured Person must tell the Insurer as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Insurer may then change the premium or the terms of this policy, or cancel it.\n\n§ 15  Payment of claims\n(1) The Insurer will pay claims by bank transfer to an account in the Insured Person's name.\n(2) The Insurer aims to pay accepted claims within 5 working days of receiving all the documents the Insurer needs.\n\n§ 16  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Insured Person to repay the amount.\n\n§ 17  Interest\n(1) The Insurer will not pay interest on any claim payment unless the law requires it.\n\n§ 18  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 19  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 20  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 21  Premium payment\n(1) The Insured Person must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 7 days of its due date, the Insurer may cancel the policy after giving notice.\n\n§ 22  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 23  Renewal\n(1) The Insurer will write to the Insured Person at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 24  Records and evidence\n(1) The Insured Person should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 25  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Insured Person should be sent to the address shown in the schedule.\n\n§ 26  Rental car excess\n(1) If the Insured Person hires a car during the trip, the Insurer will reimburse any excess the Insured Person must pay to the hire company after accidental damage to the car.\n(2) This section applies only to cars hired from a licensed rental company under a written agreement.\n\n§ 27  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Insured Person gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Insured Person's claims history.\n\n§ 28  General exclusions\n(1) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(2) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n(3) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(4) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n(5) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n(6) The Insurer will not pay for any deliberate or criminal act by the Insured Person.\n\n§ 29  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 30  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 31  Making a claim\n(1) The Insured Person must notify the Insurer of a claim within 14 days of the incident. The Insurer will not pay any claim notified after that time.\n(2) The Insured Person must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Insurer may appoint a loss adjuster to investigate any claim.\n\n§ 32  Instalment agreements\n(1) If the Insured Person pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 33  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 34  Assignment\n(1) The Insured Person cannot transfer the Insured Person's interest in this policy to anyone else without the Insurer's written consent.\n\n§ 35  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 36  Environmental commitment\n(1) Where practical, the Insurer will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Insured Person may ask for a new part instead, and the Insurer will tell the Insured Person whether any additional cost would apply.\n\n=== CLAIM ===\nClaim summary: Zainab Nguyen; policy P736727; policy start 13 September 2025; schedule covers Baggage and Personal Belongings, Emergency Medical Expenses, Trip Cancellation; extensions none. Section claimed: Travel Delay, for meals and a hotel night during a departure delay. Incident date 7 August 2026; notified 7 August 2026; assessed loss $232.25. Facts: The delay was caused by a technical fault with the aircraft. The destination was a coastal town Zainab had visited before. The trip was booked through an online travel agent. The return flight was scheduled for the following week.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_waiting": "Decline: the incident happened during the waiting period (§ 11(2))", "pay_less_fee": "Pay the assessed loss less the excess", "pay_limit": "Pay up to the Travel Delay limit", "deny_short_delay": "Decline under the short delays exclusion (§ 3(3))", "not_covered": "Decline: Travel Delay is not a cover shown in the schedule"}, "src": "hard_long_policy", "label": "not_covered"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$0", "b": "$500", "c": "$475", "d": "$207.25", "e": "$232.25"}, "src": "hard_long_policy", "label": "a"}}, "_meta": {"id": "hard-v1/long_policy/development/00009", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00009", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "travel", "target": "not_covered", "category": "delay", "tempting": null, "facts": {"domain": "travel", "fee_order": "after", "notice_days": 14, "categories": {"baggage": {"limit": 2000, "fee": 75, "waiting": 0, "purchased": true}, "medical": {"limit": 10000, "fee": 250, "waiting": 0, "purchased": true}, "cancellation": {"limit": 2000, "fee": 100, "waiting": 7, "purchased": true}, "delay": {"limit": 500, "fee": 25, "waiting": 0, "purchased": false}}, "classes": {"valuables": {"category": "baggage", "cap": 500}, "sports": {"category": "baggage", "cap": 300}, "dental": {"category": "medical", "cap": 400}, "physio": {"category": "medical", "cap": 500}, "excursions": {"category": "cancellation", "cap": 200}}, "exclusions": [{"key": "unattended", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "confiscation", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pre_existing", "categories": ["medical"], "kind": "threshold", "thr": 12, "cmp": "le", "has_exception": false}, {"key": "hazardous", "categories": ["medical"], "kind": "threshold", "thr": 4000, "cmp": "gt", "has_exception": true}, {"key": "intoxication", "categories": ["medical"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "known_event", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "change_of_mind", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "short_delay", "categories": ["delay"], "kind": "threshold", "thr": 12, "cmp": "le", "has_exception": false}], "case": {"category": "delay", "item": "the meals and hotel", "item_class": null, "loss_cents": 23225, "start": "2025-09-13", "incident": "2026-08-07", "reported": "2026-08-07", "conditions": {}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"deny_waiting": "deny_waiting", "pay_less_fee": "pay_less_fee", "pay_limit": "pay_limit", "deny_short_delay": "deny_short_delay", "not_covered": "not_covered"}, "amount": {"a": 0, "b": 50000, "c": 47500, "d": 20725, "e": 23225}}}, "text_sha256": "5e3d91679587504a1c243df74632fa8e091b4a76691c333056207ceac21b7801", "state_tokens": 3135}}
{"state": "MEMO\nRe: Outage: notification-hub\n\nOutages propagate along hard dependencies: if a service goes down, every service that depends on it, directly or through other hard dependencies, is affected. Soft dependencies do not propagate outages. catalog-api depends on billing-api. ledger-service depends on user-profile.\n\nfraud-scorer depends on notification-hub. notification-hub depends on billing-api. geo-lookup depends on email-relay.\n\nuser-profile depends on fraud-scorer. pricing-engine depends on geo-lookup. session-cache depends on ledger-service.\n\nnotification-hub is currently down.", "questions": {"affected": {"type": "choice", "instructions": "Which of these will the outage reach?", "criteria": {"catalog_api": null, "billing_api": null, "session_cache": null, "geo_lookup": null}, "src": "hard_multi_hop", "label": "session_cache"}}, "_meta": {"id": "hard-v1/multi_hop/development/00009", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00009", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "deps", "hops": 4, "soft": false, "facts": {"kind": "deps", "edges": [["fraud-scorer", "notification-hub", false], ["user-profile", "fraud-scorer", false], ["ledger-service", "user-profile", false], ["session-cache", "ledger-service", false], ["notification-hub", "billing-api", false], ["geo-lookup", "email-relay", false], ["catalog-api", "billing-api", false], ["pricing-engine", "geo-lookup", false]], "down": "notification-hub", "candidates": ["session-cache", "billing-api", "catalog-api", "geo-lookup"], "options_q": {"affected": {"catalog_api": "catalog_api", "billing_api": "billing_api", "session_cache": "session_cache", "geo_lookup": "geo_lookup"}}}, "text_sha256": "e19e65b5e004bfb9d2f6184bcfc4ce016d07fe59336d4ca39f26f676bed2a3b9", "state_tokens": 126}}
{"state": "SPEC SHEET: a CI/CD provider for the platform team\nPipewright | monthly cost=$425 | median build time=23 minutes | parallel jobs=24 jobs | self-hosted runners=no | SSO login=no\nRelay CI | monthly cost=$2,200 | median build time=8 minutes | parallel jobs=26 jobs | self-hosted runners=yes | SSO login=yes\nForge Runner | monthly cost=$2,175 | median build time=20 minutes | parallel jobs=12 jobs | self-hosted runners=no | SSO login=yes\nTessel Build | monthly cost=$1,500 | median build time=11 minutes | parallel jobs=4 jobs | self-hosted runners=yes | SSO login=yes\nBuildkite Lite | monthly cost=$2,000 | median build time=22 minutes | parallel jobs=56 jobs | self-hosted runners=yes | SSO login=yes\nR1: it must offer SSO login\nSelection: Among the options that meet every requirement, choose the one with the lowest monthly cost; if two or more are tied on monthly cost, choose the one with the highest parallel jobs.", "questions": {"choice": {"type": "choice", "instructions": "Which provider best satisfies the brief?", "criteria": {"buildkite_lite": null, "forge_runner": null, "relay_ci": null, "pipewright": null, "tessel_build": null}, "src": "hard_tradeoff", "label": "tessel_build"}, "meets": {"type": "noul", "instructions": "Is Forge Runner compliant with all the hard requirements?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00030", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00030", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "provider", "none_case": false, "facts": {"rule": "lex", "options": {"Pipewright": {"cost": 425, "build": 23, "concurrency": 24, "selfhosted": false, "sso": false}, "Relay CI": {"cost": 2200, "build": 8, "concurrency": 26, "selfhosted": true, "sso": true}, "Forge Runner": {"cost": 2175, "build": 20, "concurrency": 12, "selfhosted": false, "sso": true}, "Tessel Build": {"cost": 1500, "build": 11, "concurrency": 4, "selfhosted": true, "sso": true}, "Buildkite Lite": {"cost": 2000, "build": 22, "concurrency": 56, "selfhosted": true, "sso": true}}, "constraints": [{"attr": "sso", "op": "is", "value": true}], "priority": [["cost", "lower"], ["concurrency", "higher"]], "weights": {}, "years": null, "check": "Forge Runner", "options_q": {"choice": {"buildkite_lite": "buildkite_lite", "forge_runner": "forge_runner", "relay_ci": "relay_ci", "pipewright": "pipewright", "tessel_build": "tessel_build"}}}, "text_sha256": "d59b8d8ad5b2aa86a5bcc56d7645c80a3e59a7e5f86b3d6646dc87f5bdf8ae82", "state_tokens": 253}}
{"state": "GROUP HEALTH CASH PLAN\nIssued by Cedar Benefits Services\nIn this policy, \"the Plan\" means Cedar Benefits Services and \"the Member\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Business day means Monday to Friday, excluding public holidays.\n(2) Dependant means the Member's spouse or partner, or a child under 21 who is enrolled in the plan.\n(3) Frames means spectacle frames bought without new lenses.\n(4) Hearing accessories means batteries, chargers and cleaning kits.\n(5) Hearing aid replacement period means 24 months from the purchase of hearing aids funded by the plan.\n(6) Major restorative work means crowns, bridges, root canal treatment and implants.\n(7) Massage therapy means sports massage, massage therapy and reflexology.\n(8) Network provider means a practitioner or clinic that has an agreement with the Plan to provide treatment.\n(9) Orthodontics means braces and clear aligners.\n(10) Plan year means the twelve months starting on the Member's coverage start date.\n(11) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(12) Registered practitioner means a practitioner registered with the professional body for their discipline.\n(13) Replacement period means 24 months from the date of the Member's last eyewear claim.\n\n§ 2  Limits and deductible\n(1) Dental Care: limit $1,500 per treatment; deductible $50 per claim.\n(2) Vision Care: limit $400 per treatment; deductible $40 per claim.\n(3) Therapy Services: limit $1,500 per treatment; deductible $75 per claim.\n(4) Hearing Care: limit $1,000 per treatment; deductible $150 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the deductible is then deducted from the result.\n\n§ 3  Duty of fair presentation\n(1) The Member must answer all questions the Plan asks honestly and to the best of the Member's knowledge.\n(2) If the Member gives incorrect information deliberately or recklessly, the Plan may treat this policy as if it never existed and keep the premium.\n(3) If the Member gives incorrect information carelessly, the Plan may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 4  Subrogation\n(1) The Plan will be entitled to take over and conduct in the Member's name the defence or settlement of any claim.\n(2) The Plan can take action in the Member's name to recover any payment the Plan makes from anyone responsible for the loss.\n\n§ 5  Inflation\n(1) The Plan may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Member's renewal documents; limits do not change during a policy period.\n\n§ 6  Recovery of costs\n(1) If the Plan pays a claim that is later found not to be covered, the Plan may ask the Member to repay the amount.\n\n§ 7  Payment of claims\n(1) The Plan will pay claims by bank transfer to an account in the Member's name.\n(2) The Plan aims to pay accepted claims within 10 working days of receiving all the documents the Plan needs.\n\n§ 8  Dental Care\n(1) The Plan will reimburse the cost of dental treatment provided by a licensed dentist.\n(2) No cover applies under this section to any treatment that happens within the first 60 days after the policy start date.\n(3) The most the Plan will pay for Major restorative work under this section is $750 per treatment.\n(4) The most the Plan will pay for Orthodontics under this section is $800 per treatment.\n(5) The Plan will not pay for treatment that is mainly cosmetic, such as whitening or veneers. This exclusion does not apply to treatment needed to repair damage caused by an accident.\n(6) The Plan will not pay for treatment by a provider outside the plan's network. This exclusion does not apply to emergency treatment for sudden severe pain.\n\n§ 9  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 10  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 11  Sanctions\n(1) The Plan will not provide cover or pay any claim to the extent that doing so would expose the Plan to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 12  Assignment\n(1) The Member cannot transfer the Member's interest in this policy to anyone else without the Plan's written consent.\n\n§ 13  Automatic renewal\n(1) Unless the Member tells the Plan otherwise, this policy will renew automatically at the end of the policy period using the payment details the Plan holds.\n(2) The Member can switch off automatic renewal at any time by contacting the Plan's helpline.\n\n§ 14  Compensation scheme\n(1) The Plan is covered by a financial services compensation scheme.\n(2) If the Plan cannot meet the Plan's obligations, the Member may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 15  Third-party administrators\n(1) The Plan may appoint another company to handle claims or other services on the Plan's behalf.\n(2) Any company the Plan appoints must follow the terms of this policy and applicable data protection law.\n\n§ 16  Interest\n(1) The Plan will not pay interest on any claim payment unless the law requires it.\n\n§ 17  Coordination of benefits\n(1) If a treatment is also covered by another plan, the Plan will pay only the part of the cost that the other plan does not pay.\n(2) The Member must tell the Plan about any other plan that covers the Member or the Member's dependants.\n\n§ 18  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Plan may adjust the premium from the date of the change.\n\n§ 19  Arbitration\n(1) If the Plan accepts a claim but disagree with the Member about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Plan.\n\n§ 20  Electronic documents\n(1) The Plan will send documents by email unless the Member asks for paper copies.\n(2) The Member must tell the Plan if the Member's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 21  Communication\n(1) The Plan will communicate with the Member in English.\n(2) The Plan may record telephone calls for training and quality purposes.\n\n§ 22  Leaving the plan\n(1) Cover ends on the day the Member's employment ends or the day the Member stops being eligible, whichever is earlier.\n(2) Claims for treatment received before cover ended may be submitted up to 90 days afterwards.\n\n§ 23  Cooperation\n(1) The Member must give the Plan all the help and information the Plan reasonably need to settle a claim.\n(2) The Member must not admit liability or offer to settle any claim without the Plan's written permission.\n\n§ 24  Appeals\n(1) If the Plan declines all or part of a claim, the Member may appeal in writing within 60 days of the decision.\n(2) An appeal will be reviewed by someone who was not involved in the original decision.\n(3) The Plan will give the Member a written decision on the appeal within 30 days.\n\n§ 25  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Plan may charge the premium without the discount from that date.\n\n§ 26  Therapy Services\n(1) The Plan will reimburse physiotherapy, osteopathy and counselling provided by a registered practitioner.\n(2) The most the Plan will pay for Massage therapy under this section is $300 per treatment.\n(3) The Plan will not pay for treatment of an injury covered by workers' compensation.\n(4) The Plan will not pay for treatment by a practitioner who is not registered with the relevant professional body.\n\n§ 27  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 28  Instalment agreements\n(1) If the Member pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 29  Salvage\n(1) When the Plan replaces an item, the damaged or recovered item becomes the Plan's property.\n(2) If stolen property is recovered after the Plan has paid a claim, the Member must tell the Plan and either return the payment or give the Plan the property.\n\n§ 30  Premium payment\n(1) The Member must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Plan may cancel the policy after giving notice.\n\n§ 31  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 32  Waiver\n(1) If the Plan does not enforce any term of this policy, that does not mean the Plan has given up the right to enforce it later.\n\n§ 33  Changes in circumstances\n(1) The Member must tell the Plan as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Plan may then change the premium or the terms of this policy, or cancel it.\n\n§ 34  Claims documents\n(1) The Member must provide, at the Member's own expense, original receipts, invoices, reports and any other evidence the Plan reasonably ask for.\n(2) The Plan may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 35  Exchange of information\n(1) To prevent fraud, the Plan may check the details the Member gives against public records and industry databases.\n(2) The Plan may contact previous insurers to confirm the Member's claims history.\n\n§ 36  Vision Care\n(1) The Plan will reimburse eye tests and prescription eyewear.\n(2) The most the Plan will pay for Frames under this section is $120 per treatment.\n(3) The Plan will not pay for eyewear without prescription lenses.\n(4) The Plan will not pay for a further eyewear claim within the replacement period.\n\n§ 37  Customer support\n(1) The Plan's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Member can leave a message and the Plan will call back on the next working day.\n\n§ 38  Dependants\n(1) The Member may enrol dependants at the start of each plan year or within 30 days of a qualifying life event.\n(2) Benefits paid for dependants count towards the same annual limits as the Member's own claims.\n\n§ 39  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 40  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 41  Optional cover: Hearing Care\n(1) The Plan will reimburse hearing tests and hearing aids.\n(2) This section applies only if it is shown as purchased in the Member's schedule.\n(3) The most the Plan will pay for Hearing accessories under this section is $150 per treatment.\n(4) The Plan will not pay for replacement hearing aids bought within the hearing aid replacement period.\n\n§ 42  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 43  Renewal\n(1) The Plan will write to the Member at least 21 days before the end of the policy period with the renewal terms.\n(2) The Plan is not obliged to offer renewal.\n\n§ 44  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Plan will pay only the Plan's proportionate share.\n(2) The Member must tell the Plan about any other insurance that covers the same loss when the Member makes a claim.\n\n§ 45  Records and evidence\n(1) The Member should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Plan may base any settlement on the price of a comparable item.\n(3) The Plan may ask for evidence of how and when an item was acquired.\n\n§ 46  Eligibility\n(1) Employees who work at least 20 hours a week are eligible to join the plan from their first day of employment.\n(2) Contractors, agency workers and employees on unpaid leave of more than three months are not eligible.\n\n§ 47  Notices\n(1) Any notice the Plan gives under this policy will be sent to the most recent postal or email address the Plan holds.\n(2) Notices from the Member should be sent to the address shown in the schedule.\n\n§ 48  Cancellation\n(1) The Member can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Member can cancel at any time; the Plan will refund the premium for the unexpired period less an administration charge of $15.\n(3) The Plan can cancel this policy by giving the Member 30 days' written notice to the last address the Plan holds.\n\n§ 49  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 50  Complaints\n(1) If the Member has a complaint, the Member should first contact the Plan's customer relations team, quoting the policy number.\n(2) The Plan will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Member remains dissatisfied, the Member may be able to refer the complaint to an independent ombudsman service.\n\n§ 51  Reasonable precautions\n(1) The Member must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Member must take reasonable steps to recover lost or stolen property.\n\n§ 52  Market conditions\n(1) If the replacement item is no longer available, the Plan will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 53  Wellness allowance\n(1) Each plan year the Member may claim up to $150 towards a gym membership or fitness class.\n(2) The wellness allowance is not subject to any deductible and does not count towards other limits.\n\n§ 54  Change of address\n(1) The Member must tell the Plan within 30 days if the Member changes the Member's address.\n(2) The Plan may change the premium or the terms from the date of the move.\n\n§ 55  Environmental commitment\n(1) Where practical, the Plan will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Member may ask for a new part instead, and the Plan will tell the Member whether any additional cost would apply.\n\n§ 56  Data protection\n(1) The Plan will use the personal information the Member provides to administer this policy and to handle claims.\n(2) The Plan will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Member can ask for a copy of the personal information the Plan holds by writing to the Plan's data protection officer.\n\n§ 57  General exclusions\n(1) The Plan will not pay for loss caused by nuclear radiation or radioactive contamination.\n(2) The Plan will not pay for loss or damage caused by war, invasion, or civil war.\n(3) The Plan will not pay for loss arising from a government order or sanction that prohibits the Plan from paying.\n(4) The Plan will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(5) The Plan will not pay for any deliberate or criminal act by the Member.\n\n§ 58  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Plan will not pay the claim and all cover under this policy may be cancelled.\n(2) The Plan may share information with fraud prevention agencies and other insurers.\n\n§ 59  Making a claim\n(1) The Member must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Member must notify the Plan of a claim within 90 days of the treatment. The Plan will not pay any claim notified after that time.\n(3) The Plan may appoint a loss adjuster to investigate any claim.\n\n§ 60  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n=== CLAIM ===\nClaim summary: Ayla Pajari; policy P189303; policy start 25 February 2026; schedule covers Dental Care, Vision Care, Therapy Services, Hearing Care; extensions none. Section claimed: Dental Care, for a veneer on a front tooth. Treatment date 1 April 2026; notified 28 June 2026; assessed loss $290.99. Facts: The veneer was fitted to improve the appearance of the tooth. The veneer repaired a front tooth chipped in a cycling accident. Ayla joined the company's finance team two years ago. Ayla submitted receipts through the benefits portal. The provider issued an itemised invoice.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"not_covered": "Decline: Dental Care is not a cover shown in the schedule", "pay_less_fee": "Pay the assessed loss less the deductible", "deny_waiting": "Decline: the treatment happened during the waiting period (§ 8(2))", "pay_limit": "Pay up to the Dental Care limit", "deny_cosmetic": "Decline under the cosmetic treatment exclusion (§ 8(5))"}, "src": "hard_long_policy", "label": "deny_waiting"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$1,500", "b": "$290.99", "c": "$240.99", "d": "$1,450", "e": "$0"}, "src": "hard_long_policy", "label": "e"}}, "_meta": {"id": "hard-v1/long_policy/development/00047", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00047", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "benefits", "target": "deny_waiting", "category": "dental", "tempting": "cosmetic", "facts": {"domain": "benefits", "fee_order": "after", "notice_days": 90, "categories": {"dental": {"limit": 1500, "fee": 50, "waiting": 60, "purchased": true}, "vision": {"limit": 400, "fee": 40, "waiting": 0, "purchased": true}, "therapy": {"limit": 1500, "fee": 75, "waiting": 0, "purchased": true}, "hearing": {"limit": 1000, "fee": 150, "waiting": 0, "purchased": true}}, "classes": {"major": {"category": "dental", "cap": 750}, "ortho": {"category": "dental", "cap": 800}, "frames": {"category": "vision", "cap": 120}, "massage": {"category": "therapy", "cap": 300}, "accessories": {"category": "hearing", "cap": 150}}, "exclusions": [{"key": "cosmetic", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "out_of_network", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "non_prescription", "categories": ["vision"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "frequency", "categories": ["vision"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}, {"key": "work_injury", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unregistered", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "replacement", "categories": ["hearing"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}], "case": {"category": "dental", "item": "the veneer", "item_class": null, "loss_cents": 29099, "start": "2026-02-25", "incident": "2026-04-01", "reported": "2026-06-28", "conditions": {"cosmetic": true}, "values": {}, "exceptions": {"cosmetic": true}}, "options_q": {"outcome": {"not_covered": "not_covered", "pay_less_fee": "pay_less_fee", "deny_waiting": "deny_waiting", "pay_limit": "pay_limit", "deny_cosmetic": "deny_cosmetic"}, "amount": {"a": 150000, "b": 29099, "c": 24099, "d": 145000, "e": 0}}}, "text_sha256": "17c1c6dfdbc5e0a1d7a12e15a455d7e024362d80f75e7dad3b2e5017a61be610", "state_tokens": 4212}}
{"state": "SPEC SHEET: a laptop model for the staff hardware refresh\nNova Air | unit price=$1,240 | battery life=8 hours | weight=1.6 kg | three-year on-site warranty=no | built-in LTE=no\nOrbit 13 | unit price=$1,780 | battery life=12 hours | weight=1.7 kg | three-year on-site warranty=yes | built-in LTE=yes\nVector X1 | unit price=$1,640 | battery life=11 hours | weight=1.7 kg | three-year on-site warranty=yes | built-in LTE=yes\nKeystone 15 | unit price=$1,730 | battery life=16 hours | weight=1.5 kg | three-year on-site warranty=yes | built-in LTE=no\nR1: its battery life must be at least 19 hours\nSelection: Among the options that meet every requirement, choose the one with the lowest weight; if two or more are tied on weight, choose the one with the lowest unit price.", "questions": {"choice": {"type": "choice", "instructions": "Which model best satisfies the brief?", "criteria": {"none_qualifies": "Reject all options: none meets the requirements", "orbit_13": null, "nova_air": null, "vector_x1": null, "keystone_15": null}, "src": "hard_tradeoff", "label": "none_qualifies"}, "meets": {"type": "noul", "instructions": "Does Keystone 15 pass the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00077", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00077", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "model", "none_case": true, "facts": {"rule": "lex", "options": {"Nova Air": {"cost": 1240, "battery": 8, "weight": 16, "warranty": false, "lte": false}, "Orbit 13": {"cost": 1780, "battery": 12, "weight": 17, "warranty": true, "lte": true}, "Vector X1": {"cost": 1640, "battery": 11, "weight": 17, "warranty": true, "lte": true}, "Keystone 15": {"cost": 1730, "battery": 16, "weight": 15, "warranty": true, "lte": false}}, "constraints": [{"attr": "battery", "op": ">=", "value": 19}], "priority": [["weight", "lower"], ["cost", "lower"]], "weights": {}, "years": null, "check": "Keystone 15", "options_q": {"choice": {"none_qualifies": "none_qualifies", "orbit_13": "orbit_13", "nova_air": "nova_air", "vector_x1": "vector_x1", "keystone_15": "keystone_15"}}}, "text_sha256": "590cb9e4b879d931dbaee91554e1f11b0ace94ecadf3ea82b222d5610e9a1b4b", "state_tokens": 222}}
{"state": "MEMO\nRe: Overtime\n\nHours beyond 40 in a Monday-to-Sunday week are overtime. No shift may exceed 10 hours. Ines Ueda worked 6 hours on Monday. Ines Ueda worked 7 hours on Tuesday.\n\nInes Ueda worked 6 hours on Wednesday. Ines Ueda worked 5 hours on Thursday. Ines's Friday timesheet has not been submitted.\n\nInes did not work at the weekend.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "overtime_due": "Overtime is due for this week", "no_overtime": "No overtime is due for this week"}, "src": "hard_ambiguous", "label": "no_overtime"}}, "_meta": {"id": "hard-v1/ambiguous/development/00059", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00058", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "overtime", "twin": "absent", "absent_kind": "nondeciding", "explicit_unknown": true, "facts": {"scenario": "overtime", "insufficient_key": "not_enough_information", "params": {"hours": [6, 7, 6, 5, null], "max_shift": 10}, "deciding_present": false, "options_q": {"decision": {"not_enough_information": "not_enough_information", "overtime_due": "overtime_due", "no_overtime": "no_overtime"}}}, "text_sha256": "137ad680fa28e281a75740815498fe513b8101ddecbb1a1fdc7fc5fbdf5ac7cb", "state_tokens": 98}}
{"state": "MEMO\nRe: Price match\n\nWe match a competitor's lower price for an identical item if the competitor has it in stock at the time of the request, but we never match a price more than 15% below ours. If the competitor's price is not lower, no adjustment is needed. Greta Bauer asked us to match Riverside Dental's price for the same blender model. Our price is $268.00; Riverside Dental lists it at $299.00.\n\nNobody checked whether Riverside Dental had it in stock. Greta is a returning customer.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"no_adjustment": "No adjustment needed", "decline_match": "Decline the price match", "match_price": "Match the competitor's price", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "no_adjustment"}}, "_meta": {"id": "hard-v1/ambiguous/development/00035", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00034", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "price_match", "twin": "absent", "absent_kind": "nondeciding", "explicit_unknown": true, "facts": {"scenario": "price_match", "insufficient_key": "not_enough_information", "params": {"ours_cents": 26800, "theirs_cents": 29900, "max_gap_pct": 15, "in_stock": null}, "deciding_present": false, "options_q": {"decision": {"no_adjustment": "no_adjustment", "decline_match": "decline_match", "match_price": "match_price", "not_enough_information": "not_enough_information"}}}, "text_sha256": "67202bc5c743b10f9839775f4ecdf87805804b7849a098e5f807b38449897214", "state_tokens": 121}}
{"state": "ANNUAL MULTI-TRIP TRAVEL COVER\nIssued by Meridian Travel Insurance Ltd\nIn this policy, \"the Insurer\" means Meridian Travel Insurance Ltd and \"the Insured Person\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(2) Dental treatment means treatment of the teeth or gums.\n(3) Excursions and tickets means pre-booked excursions, tours, and event or theatre tickets.\n(4) Family means the Insured Person's spouse or partner and any children who live with the Insured Person.\n(5) Hazardous activity means skydiving, motor racing, or trekking or climbing above 4,500 metres.\n(6) Incident means a single event, or a series of events arising from one cause.\n(7) Limit means the most the Insurer will pay for all claims under a section arising from one incident.\n(8) Physiotherapy means treatment of muscles and joints by a physiotherapist.\n(9) Policy period means twelve months from the policy start date shown in the Insured Person's schedule.\n(10) Pre-existing condition means any illness or injury for which the Insured Person received treatment or advice in the 3 months before the policy start date.\n(11) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(12) Public transport means any scheduled train, bus, coach, ferry or aircraft.\n(13) Qualifying delay means a delay to the scheduled departure of more than 6 hours.\n(14) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(15) Schedule means the document issued with this policy that shows the Insured Person's details, the covers the Insured Person bought and any extensions.\n(16) Sports equipment means skis, snowboards, golf clubs, surfboards and bicycles.\n(17) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(18) Travelling companion means a person who has booked to travel with the Insured Person on the same trip.\n(19) Trip means a journey that starts and ends in the Insured Person's home country during the policy period.\n(20) Valuables means laptops, tablets, mobile phones, cameras, watches and jewellery.\n\n§ 2  Limits and excess\n(1) Baggage and Personal Belongings: limit $3,000 per incident; excess $50 per claim.\n(2) Emergency Medical Expenses: limit $25,000 per incident; excess $100 per claim.\n(3) Trip Cancellation: limit $5,000 per incident; excess $50 per claim.\n(4) Travel Delay: limit $500 per incident; excess $50 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the excess is then deducted from the result.\n\n§ 3  Trip Cancellation\n(1) The Insurer will pay non-refundable travel and accommodation costs if the Insured Person must cancel the trip for a reason beyond the Insured Person's control.\n(2) No cover applies under this section to any incident that happens within the first 10 days after the policy start date.\n(3) The most the Insurer will pay for Excursions and tickets under this section is $200 per incident.\n(4) The Insurer will not pay for cancellation caused by a strike or other event that had been publicly announced before the Insured Person bought the policy.\n(5) The Insurer will not pay for cancellation because the Insured Person no longer wish to travel.\n\n§ 4  Optional cover: Travel Delay\n(1) The Insurer will pay reasonable costs of meals and accommodation if the Insured Person's outbound departure is delayed.\n(2) This section applies only if it is shown as purchased in the Insured Person's schedule.\n(3) The Insurer will not pay for any delay that is not a qualifying delay.\n\n§ 5  Baggage and Personal Belongings\n(1) The Insurer will pay for the loss of, theft of, or damage to the Insured Person's baggage and personal belongings during the trip.\n(2) The most the Insurer will pay for Valuables under this section is $250 per incident.\n(3) The most the Insurer will pay for Sports equipment under this section is $450 per incident.\n(4) The Insurer will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Insurer will not pay for loss caused by confiscation or detention by customs or other officials.\n(6) The Insurer will not pay for damage caused by wear and tear or gradual deterioration.\n\n§ 6  Emergency Medical Expenses\n(1) The Insurer will pay reasonable and necessary emergency medical costs incurred during the trip.\n(2) The most the Insurer will pay for Dental treatment under this section is $250 per incident.\n(3) The most the Insurer will pay for Physiotherapy under this section is $500 per incident.\n(4) The Insurer will not pay for treatment of a pre-existing condition.\n(5) The Insurer will not pay for injury or illness arising from a hazardous activity. This exclusion does not apply if the Adventure Sports extension is shown in the Insured Person's schedule.\n(6) The Insurer will not pay for any claim arising from the Insured Person's being under the influence of alcohol or drugs.\n\n§ 7  General exclusions\n(1) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n(2) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(3) The Insurer will not pay for any deliberate or criminal act by the Insured Person.\n(4) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n\n§ 8  Making a claim\n(1) The Insured Person must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Insured Person must notify the Insurer of a claim within 90 days of the incident. The Insurer will not pay any claim notified after that time.\n(3) The Insurer may appoint a loss adjuster to investigate any claim.\n\n§ 9  Payment of claims\n(1) The Insurer will pay claims by bank transfer to an account in the Insured Person's name.\n(2) The Insurer aims to pay accepted claims within 15 working days of receiving all the documents the Insurer needs.\n\n§ 10  Records and evidence\n(1) The Insured Person should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 11  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 12  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 13  Reasonable precautions\n(1) The Insured Person must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Insured Person must take reasonable steps to recover lost or stolen property.\n\n§ 14  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 15  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 16  Repatriation\n(1) If the Insurer's medical adviser agrees it is necessary, the Insurer will arrange and pay for the Insured Person to be brought home.\n(2) The Insurer will decide the method of transport and the time of repatriation after speaking to the treating doctor.\n\n§ 17  Data protection\n(1) The Insurer will use the personal information the Insured Person provides to administer this policy and to handle claims.\n(2) The Insurer will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Insured Person can ask for a copy of the personal information the Insurer holds by writing to the Insurer's data protection officer.\n\n§ 18  Cancellation\n(1) The Insured Person can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Insured Person can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $15.\n(3) The Insurer can cancel this policy by giving the Insured Person 30 days' written notice to the last address the Insurer holds.\n\n§ 19  Electronic documents\n(1) The Insurer will send documents by email unless the Insured Person asks for paper copies.\n(2) The Insured Person must tell the Insurer if the Insured Person's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 20  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 21  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Insured Person should be sent to the address shown in the schedule.\n\n§ 22  Customer support\n(1) The Insurer's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Insured Person can leave a message and the Insurer will call back on the next working day.\n\n§ 23  Assignment\n(1) The Insured Person cannot transfer the Insured Person's interest in this policy to anyone else without the Insurer's written consent.\n\n=== CLAIM ===\nClaim summary: Ashok Jensen; policy K926792; policy start 13 September 2025; schedule covers Baggage and Personal Belongings, Emergency Medical Expenses, Trip Cancellation; extensions none. Section claimed: Trip Cancellation, for non-refundable flights and hotel bookings. Incident date 24 September 2025; notified 12 December 2025; assessed loss $150. Facts: The cancellation followed an air traffic control strike that had been announced before Ashok bought the policy. Ashok paid for the trip with a credit card. Ashok was travelling with two colleagues. The return flight was scheduled for the following week.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_known_event": "Decline under the known events exclusion (§ 3(4))", "not_covered": "Decline: Trip Cancellation is not a cover shown in the schedule", "deny_waiting": "Decline: the incident happened during the waiting period (§ 3(2))", "deny_late": "Decline: the claim was notified too late (§ 8(2))", "deny_change_of_mind": "Decline under the disinclination to travel exclusion (§ 3(5))"}, "src": "hard_long_policy", "label": "deny_known_event"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$150", "b": "$0", "c": "$100", "d": "$4,950", "e": "$5,000"}, "src": "hard_long_policy", "label": "b"}}, "_meta": {"id": "hard-v1/long_policy/development/00021", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00021", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "travel", "target": "deny_exclusion", "category": "cancellation", "tempting": null, "facts": {"domain": "travel", "fee_order": "after", "notice_days": 90, "categories": {"baggage": {"limit": 3000, "fee": 50, "waiting": 0, "purchased": true}, "medical": {"limit": 25000, "fee": 100, "waiting": 0, "purchased": true}, "cancellation": {"limit": 5000, "fee": 50, "waiting": 10, "purchased": true}, "delay": {"limit": 500, "fee": 50, "waiting": 0, "purchased": false}}, "classes": {"valuables": {"category": "baggage", "cap": 250}, "sports": {"category": "baggage", "cap": 450}, "dental": {"category": "medical", "cap": 250}, "physio": {"category": "medical", "cap": 500}, "excursions": {"category": "cancellation", "cap": 200}}, "exclusions": [{"key": "unattended", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "confiscation", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pre_existing", "categories": ["medical"], "kind": "threshold", "thr": 3, "cmp": "le", "has_exception": false}, {"key": "hazardous", "categories": ["medical"], "kind": "threshold", "thr": 4500, "cmp": "gt", "has_exception": true}, {"key": "intoxication", "categories": ["medical"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "known_event", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "change_of_mind", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "short_delay", "categories": ["delay"], "kind": "threshold", "thr": 6, "cmp": "le", "has_exception": false}], "case": {"category": "cancellation", "item": "the flights and hotel", "item_class": null, "loss_cents": 15000, "start": "2025-09-13", "incident": "2025-09-24", "reported": "2025-12-12", "conditions": {"known_event": true}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"deny_known_event": "deny_known_event", "not_covered": "not_covered", "deny_waiting": "deny_waiting", "deny_late": "deny_late", "deny_change_of_mind": "deny_change_of_mind"}, "amount": {"a": 15000, "b": 0, "c": 10000, "d": 495000, "e": 500000}}}, "text_sha256": "4d3851216ebdd7d7483092b10aef8a511faa9e6e3e60730f52fa0ca28f0474c8", "state_tokens": 2558}}
{"state": "MEMO\nRe: Alert precision\n\nA spam filter quarantines inbound emails. Historically, twenty percent of emails are spam. When one of the emails is spam, the system quarantines it ninety-five percent of the time.\n\nWhen one of the emails is not spam, the system still quarantines it two percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that one of the emails that the system has quarantined is actually spam?", "criteria": {"a": "92.2%", "b": "20.0%", "c": "19.0%", "d": "95.0%", "e": "98.0%"}, "src": "hard_probability", "label": "a"}, "more_likely": {"type": "noul", "instructions": "Per the figures given, Is one of the emails that the system has quarantined more likely than not to be spam?", "src": "hard_probability", "label": true}}, "_meta": {"id": "hard-v1/probability/development/00026", "source": "hard_probability", "group_id": "hard-v1/probability/development/00026", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "bayes", "facts": {"kind": "bayes", "p": {"base": "20/100", "sens": "95/100", "fpr": "2/100"}, "options_q": {"value": {"a": 922, "b": 200, "c": 190, "d": 950, "e": 980}}, "qid2": "more_likely"}, "text_sha256": "fb50f4c7550a5d8cb3d807b67046afeaf9a5fcc4e259f2de9510a35b05e0ccff", "state_tokens": 71}}
{"state": "REVIEW REQUEST\nItem: Monthly active users went from 180 to 133. What is the percentage change, to one decimal place (negative for a decrease)?\nSubmitted result: Answer: -26.1%", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "-47.0%", "b": "26.1%", "c": "-35.3%", "d": "73.9%", "e": "-26.1%"}, "src": "hard_judge", "label": "e"}}, "_meta": {"id": "hard-v1/judge/development/00095", "source": "hard_judge", "group_id": "hard-v1/judge/development/00095", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "pct_change", "error": null, "facts": {"kind": "pct_change", "args": {"old": 180, "new": 133}, "dp": 1, "proposed": -261, "error": null, "options_q": {"value": {"a": -470, "b": 261, "c": -353, "d": 739, "e": -261}}}, "text_sha256": "cfb9d812e908568e93af64c2aa4ee37fd9babf4f67c2f0123636fd692a5d3506", "state_tokens": 49}}
{"state": "REVIEW REQUEST\nItem: Rule: a discount applies if the item is on clearance but not if it is the customer's birthday month. Facts: the item is on clearance; it is not true that it is the customer's birthday month; it is not true that the order total is over $100. Does the discount apply?\nSubmitted result: Answer: Yes, the discount applies.", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}}, "_meta": {"id": "hard-v1/judge/development/00042", "source": "hard_judge", "group_id": "hard-v1/judge/development/00042", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "logic", "error": null, "facts": {"kind": "logic", "args": {"atoms": ["clearance", "birthday", "over"], "form": "and_not", "values": {"clearance": true, "birthday": false, "over": false}}, "proposed": true, "error": null}, "text_sha256": "72516780f0da63eb371d8476a6557ec150031550a3e854b6aff70c8ce10b671c", "state_tokens": 81}}
{"state": "MEMO\nRe: Group structure\n\nAn entity controls a company if it holds more than 50% of that company's shares, counting shares it holds directly and shares held by companies it controls. Dunmore Ventures owns 38% of Aldermoor Holdings. Ivel Holdings owns 23% of Aldermoor Holdings.\n\nHollis Investments owns 77% of Ivel Holdings. Birchfield Capital owns 39% of Aldermoor Holdings. Juno Capital owns 23% of Ivel Holdings.", "questions": {"controller": {"type": "choice", "instructions": "Name the ultimate controller of Aldermoor Holdings.", "criteria": {"hollis_investments": null, "ivel_holdings": null, "birchfield_capital": null, "dunmore_ventures": null, "no_controller": "No entity controls it"}, "src": "hard_multi_hop", "label": "no_controller"}, "interest": {"type": "choice", "instructions": "What is Hollis Investments's effective economic interest in Aldermoor Holdings (its share of Aldermoor Holdings's profits through all holdings)?", "criteria": {"a": "17.7%", "b": "62.0%", "c": "23.0%", "d": "35.4%", "e": "77.0%"}, "src": "hard_multi_hop", "label": "a"}}, "_meta": {"id": "hard-v1/multi_hop/development/00049", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00049", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "ownership", "shape": "none", "facts": {"kind": "ownership", "stakes": {"Ivel Holdings": {"Hollis Investments": "77/100", "Juno Capital": "23/100"}, "Aldermoor Holdings": {"Ivel Holdings": "23/100", "Dunmore Ventures": "38/100", "Birchfield Capital": "39/100"}}, "candidates": ["Hollis Investments", "Dunmore Ventures", "Ivel Holdings", "Birchfield Capital"], "target": "Aldermoor Holdings", "top": "Hollis Investments", "options_q": {"controller": {"hollis_investments": "hollis_investments", "ivel_holdings": "ivel_holdings", "birchfield_capital": "birchfield_capital", "dunmore_ventures": "dunmore_ventures", "no_controller": "no_controller"}, "interest": {"a": 177, "b": 620, "c": 230, "d": 354, "e": 770}}}, "text_sha256": "f6cd9de4cc78a11d687b81f119d75ca4654bb84a2542c981825c9a416e35edba", "state_tokens": 111}}
{"state": "MEMO\nRe: Alert from ranking model\n\nPaging rule: an alert pages the owning team's primary on-call; if the primary is on leave that day, it pages the secondary; if the secondary is also on leave, it pages the team's engineering manager. Alerts from the card tokenizer are owned by the Identity team. The Mobile engineering manager is Sofia.\n\nTess is on leave from December 21, 2026 to December 25, 2026 inclusive. Owen is on leave from December 18, 2026 to December 23, 2026 inclusive. Alerts from the ranking model are owned by the Mobile team.\n\nAlerts from the cart service are owned by the Mobile team. Leila is on leave from December 23, 2026 to December 25, 2026 inclusive. Alerts from the iOS release train are owned by the Checkout team.\n\nThe Identity engineering manager is Dmitri. This week's Identity primary on-call is Owen and the secondary is Yusuf. This week's Mobile primary on-call is Leila and the secondary is Diego.\n\nThis week's Checkout primary on-call is Tess and the secondary is Felix. The Checkout engineering manager is Ravi. On December 20, 2026, an alert fired from the ranking model.", "questions": {"paged": {"type": "choice", "instructions": "Who is the right person to page?", "criteria": {"tess": null, "diego": null, "sofia": null, "leila": null}, "src": "hard_multi_hop", "label": "leila"}}, "_meta": {"id": "hard-v1/multi_hop/development/00046", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00046", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "oncall", "facts": {"kind": "oncall", "routes": {"ranking model": "Mobile", "iOS release train": "Checkout", "card tokenizer": "Identity", "cart service": "Mobile"}, "primary": {"Mobile": "Leila", "Checkout": "Tess", "Identity": "Owen"}, "secondary": {"Mobile": "Diego", "Checkout": "Felix", "Identity": "Yusuf"}, "manager": {"Mobile": "Sofia", "Checkout": "Ravi", "Identity": "Dmitri"}, "leave": {"Leila": [["2026-12-23", "2026-12-25"]], "Tess": [["2026-12-21", "2026-12-25"]], "Owen": [["2026-12-18", "2026-12-23"]]}, "component": "ranking model", "date": "2026-12-20", "options_q": {"paged": {"tess": "tess", "diego": "diego", "sofia": "sofia", "leila": "leila"}}}, "text_sha256": "84ab526b2bd7f5130574de20622d00313296a7ec5ddb8ca2df6c091e00cfd2e0", "state_tokens": 284}}
{"state": "REVIEW REQUEST\nItem: Machine A packs 169 boxes per hour and machine B packs 174 boxes per hour. Working together, how many hours do they need to pack 857 boxes? Give one decimal place.\nSubmitted result: Answer: 2.5 hours", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "2.6 hours", "b": "10.0 hours", "c": "2.5 hours", "d": "4.9 hours", "e": "5.0 hours"}, "src": "hard_judge", "label": "c"}}, "_meta": {"id": "hard-v1/judge/development/00033", "source": "hard_judge", "group_id": "hard-v1/judge/development/00033", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "rate", "error": null, "facts": {"kind": "rate", "args": {"items": 857, "r1": 169, "r2": 174}, "dp": 1, "proposed": 25, "error": null, "options_q": {"value": {"a": 26, "b": 100, "c": 25, "d": 49, "e": 50}}}, "text_sha256": "2da154f0a9929aae165202da55e36ee75353efa7d991d19aa38996cc190ec9b8", "state_tokens": 61}}
{"state": "MEMO\nRe: Subscription cancellation\n\nA customer paid $4,800.99 for an annual plan running from 6 May 2026 up to (but not including) 6 May 2027. They cancelled on 7 November 2026. Refund rule: refund the annual price multiplied by the number of unused days and divided by the number of days in the plan year; the cancellation day counts as used. Round to the nearest cent.", "questions": {"refund": {"type": "choice", "instructions": "Refund due:", "criteria": {"a": "$2,367.61", "b": "$2,446.53", "c": "$2,348.03", "d": "$2,354.46", "e": "$2,400.50"}, "src": "hard_temporal_numeric", "label": "d"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00036", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00036", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "prorata", "leap": false, "facts": {"kind": "prorata", "start": "2026-05-06", "end": "2027-05-06", "cancel": "2026-11-07", "price_cents": 480099, "options_q": {"refund": {"a": 236761, "b": 244653, "c": 234803, "d": 235446, "e": 240050}}}, "text_sha256": "a8cf6039efde7a2d13968ebc600a46eb748cea9afdcc52de45a7a49ece02841c", "state_tokens": 102}}
{"state": "MEMO\nRe: Invoice payment timing\n\nInvoice 70188 was issued on 29 March 2026. Payment reached the account on 8 April 2026. A late fee applies when payment arrives more than 14 days after the invoice date.", "questions": {"days": {"type": "choice", "instructions": "Number of days from invoice to payment:", "criteria": {"a": "12 days", "b": "9 days", "c": "8 days", "d": "11 days", "e": "10 days"}, "src": "hard_temporal_numeric", "label": "e"}, "late": {"type": "noul", "instructions": "Does the late fee apply?", "src": "hard_temporal_numeric", "label": false}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00078", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00078", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "diff", "facts": {"kind": "diff", "invoice": "2026-03-29", "paid": "2026-04-08", "limit": 14, "options_q": {"days": {"a": 12, "b": 9, "c": 8, "d": 11, "e": 10}}}, "text_sha256": "a9c60978ffa8a8a81b081848ee34507c91306859fc7ec7399a501ebe230b7e03", "state_tokens": 61}}
{"state": "MEMO\nRe: Alert precision\n\nA fraud model flags card transactions. Historically, three percent of transactions are fraudulent. When one of the transactions is fraudulent, the system flags it eighty-five percent of the time.\n\nWhen one of the transactions is not fraudulent, the system still flags it three percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that one of the transactions that the system has flagged is actually fraudulent?", "criteria": {"a": "46.7%", "b": "2.6%", "c": "3.0%", "d": "97.0%", "e": "85.0%"}, "src": "hard_probability", "label": "a"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that one of the transactions that the system has flagged is fraudulent?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 2}}, "_meta": {"id": "hard-v1/probability/development/00092", "source": "hard_probability", "group_id": "hard-v1/probability/development/00092", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "bayes", "facts": {"kind": "bayes", "p": {"base": "3/100", "sens": "85/100", "fpr": "3/100"}, "options_q": {"value": {"a": 467, "b": 26, "c": 30, "d": 970, "e": 850}}, "qid2": "bucket"}, "text_sha256": "624207918eafe6303dbba1ffd1bbfb92dd35ef2a486c869df787b8f5aa9e58da", "state_tokens": 65}}
{"state": "REVIEW REQUEST\nItem: Rule: a discount applies if the order total is over $100 but not if the customer is a loyalty member. Facts: the order total is over $100; the customer is a loyalty member; it is not true that the customer used a promo code. Does the discount apply?\nSubmitted result: I think Yes, the discount applies.", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}}, "_meta": {"id": "hard-v1/judge/development/00052", "source": "hard_judge", "group_id": "hard-v1/judge/development/00052", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "logic", "error": "logic", "facts": {"kind": "logic", "args": {"atoms": ["over", "member", "promo"], "form": "and_not", "values": {"over": true, "member": true, "promo": false}}, "proposed": true, "error": "logic"}, "text_sha256": "7b0911cafab0b6a5afd57294968003d168052d9b831a6160446f96ef4d1fbcf4", "state_tokens": 79}}
{"state": "MEMO\nRe: Alert from cart service\n\nPaging rule: an alert pages the owning team's primary on-call; if the primary is on leave that day, it pages the secondary; if the secondary is also on leave, it pages the team's engineering manager. Alerts from the cart service are owned by the Mobile team. This week's Payments primary on-call is Owen and the secondary is Kenji.\n\nThis week's Identity primary on-call is Kwame and the secondary is Jonas. Idris is on leave from April 6, 2026 to April 6, 2026 inclusive. Owen is on leave from April 8, 2026 to April 12, 2026 inclusive.\n\nThe Mobile engineering manager is Tariq. Rafael is on leave from April 1, 2026 to April 8, 2026 inclusive. The Identity engineering manager is Amara.\n\nAlerts from the card tokenizer are owned by the Identity team. The Payments engineering manager is Petra. This week's Mobile primary on-call is Rafael and the secondary is Idris.\n\nAlerts from the ranking model are owned by the Payments team. Alerts from the blob store are owned by the Mobile team. On April 6, 2026, an alert fired from the cart service.", "questions": {"paged": {"type": "choice", "instructions": "Who is the right person to page?", "criteria": {"idris": null, "rafael": null, "tariq": null, "kwame": null}, "src": "hard_multi_hop", "label": "tariq"}}, "_meta": {"id": "hard-v1/multi_hop/development/00081", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00081", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "oncall", "facts": {"kind": "oncall", "routes": {"blob store": "Mobile", "card tokenizer": "Identity", "ranking model": "Payments", "cart service": "Mobile"}, "primary": {"Mobile": "Rafael", "Identity": "Kwame", "Payments": "Owen"}, "secondary": {"Mobile": "Idris", "Identity": "Jonas", "Payments": "Kenji"}, "manager": {"Mobile": "Tariq", "Identity": "Amara", "Payments": "Petra"}, "leave": {"Rafael": [["2026-04-01", "2026-04-08"]], "Idris": [["2026-04-06", "2026-04-06"]], "Owen": [["2026-04-08", "2026-04-12"]]}, "component": "cart service", "date": "2026-04-06", "options_q": {"paged": {"idris": "idris", "rafael": "rafael", "tariq": "tariq", "kwame": "kwame"}}}, "text_sha256": "999a12ee4951abe76629882be68435bd59e6db013c8b77acad0a6bae5179e313", "state_tokens": 281}}
{"state": "REVIEW REQUEST\nItem: An order has 3 notebooks at $48.81 each and 2 desk lamps at $66.94 each. A 25% discount applies to the whole order, and then 8% sales tax is added. What is the final total, to the nearest cent?\nSubmitted result: $263.20", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$227.05", "b": "$210.23", "c": "$172.83", "d": "$232.66", "e": "$263.20"}, "src": "hard_judge", "label": "a"}}, "_meta": {"id": "hard-v1/judge/development/00019", "source": "hard_judge", "group_id": "hard-v1/judge/development/00019", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "order", "error": "discount_first_line", "facts": {"kind": "order", "args": {"q1": 3, "p1": "4881/100", "q2": 2, "p2": "3347/50", "d": "1/4", "tax": "2/25"}, "dp": 2, "proposed": 26320, "error": "discount_first_line", "options_q": {"value": {"a": 22705, "b": 21023, "c": 17283, "d": 23266, "e": 26320}}}, "text_sha256": "41635202ac00329c28766d6f1fe2002cd667d3dd7b7b8260f3306ac43d17512e", "state_tokens": 78}}
{"state": "MEMO\nRe: Approval\n\nPurchases under $500 need no approval. Purchases from $500 up to $10,000 must be approved by a Manager or more senior; purchases above $10,000 must be approved by a Director or more senior. Seniority: Analyst, Engineer, Manager, Senior Manager, Director, Vice President, Chief Executive. Ashok Delgado submitted a purchase of $897 for conference travel. The purchase was approved by Nia Rahman.\n\nNia Rahman is a Vice President. Sana Eriksen, who leads the travel desk, is a Manager.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"approval_valid": "The purchase is properly approved", "approval_invalid": "The approval is not valid under the rule", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "approval_valid"}}, "_meta": {"id": "hard-v1/ambiguous/development/00026", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00026", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "approval", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "approval", "insufficient_key": "not_enough_information", "params": {"amount": 897, "no_approval_below": 500, "director_above": 10000, "title": "Vice President"}, "deciding_present": true, "options_q": {"decision": {"approval_valid": "approval_valid", "approval_invalid": "approval_invalid", "not_enough_information": "not_enough_information"}}}, "text_sha256": "f6732f01b07027ecfbaf79d6029689a8d2386b3886481bdd5b559f897dba44ae", "state_tokens": 132}}
{"state": "MEMO\nRe: Quarterly breakdown\n\nCounts of units inspected last week by shift and result: night shift: 290 defective, 153 passed. day shift: 43 defective, 98 passed.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, Among night shift records, what share were defective?", "criteria": {"a": "75.9%", "b": "57.0%", "c": "49.7%", "d": "65.5%", "e": "87.1%"}, "src": "hard_probability", "label": "d"}}, "_meta": {"id": "hard-v1/probability/development/00019", "source": "hard_probability", "group_id": "hard-v1/probability/development/00019", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "table", "facts": {"kind": "table", "p": {}, "counts": {"night shift": {"defective": 290, "passed": 153}, "day shift": {"defective": 43, "passed": 98}}, "row": "night shift", "col": "defective", "ask": "col_given_row", "options_q": {"value": {"a": 759, "b": 570, "c": 497, "d": 655, "e": 871}}}, "text_sha256": "6155c67faba88242e3c17656afc0e58783166498d3e01edcbc846aeeb47f3a71", "state_tokens": 47}}
{"state": "SPEC SHEET: a freight carrier for the Rotterdam to Milan lane\nAlpfreight | price per shipment=$2,475 | transit time=7 days | damage rate=1.80% | support quality score=4/10 | ease of use score=4/10 | security score=7/10 | temperature-controlled trailers=no | live GPS tracking=yes\nVireo Transport | price per shipment=$2,025 | transit time=12 days | damage rate=0.45% | support quality score=5/10 | ease of use score=8/10 | security score=3/10 | temperature-controlled trailers=no | live GPS tracking=yes\nRhenus Line | price per shipment=$3,350 | transit time=9 days | damage rate=1.90% | support quality score=4/10 | ease of use score=10/10 | security score=8/10 | temperature-controlled trailers=no | live GPS tracking=yes\nMeridian Cargo | price per shipment=$1,250 | transit time=12 days | damage rate=0.60% | support quality score=8/10 | ease of use score=10/10 | security score=10/10 | temperature-controlled trailers=yes | live GPS tracking=yes\nKestrel Haulage | price per shipment=$2,775 | transit time=6 days | damage rate=2.85% | support quality score=3/10 | ease of use score=6/10 | security score=5/10 | temperature-controlled trailers=yes | live GPS tracking=yes\nR1: it must offer temperature-controlled trailers\nR2: its damage rate must be at most 2.35%\nSelection: Each option has been scored from 1 to 10 on support quality, ease of use and security (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 45% support quality, 35% ease of use, 20% security.", "questions": {"choice": {"type": "choice", "instructions": "Which carrier best satisfies the brief?", "criteria": {"kestrel_haulage": null, "rhenus_line": null, "vireo_transport": null, "alpfreight": null, "none_qualifies": "Reject all options: none meets the requirements", "meridian_cargo": null}, "src": "hard_tradeoff", "label": "meridian_cargo"}, "meets": {"type": "noul", "instructions": "Is Meridian Cargo compliant with all the hard requirements?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00021", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00021", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "carrier", "none_case": false, "facts": {"rule": "weighted", "options": {"Alpfreight": {"cost": 2475, "transit": 7, "damage": 180, "reefer": false, "tracking": true, "support quality": 4, "ease of use": 4, "security": 7}, "Vireo Transport": {"cost": 2025, "transit": 12, "damage": 45, "reefer": false, "tracking": true, "support quality": 5, "ease of use": 8, "security": 3}, "Rhenus Line": {"cost": 3350, "transit": 9, "damage": 190, "reefer": false, "tracking": true, "support quality": 4, "ease of use": 10, "security": 8}, "Meridian Cargo": {"cost": 1250, "transit": 12, "damage": 60, "reefer": true, "tracking": true, "support quality": 8, "ease of use": 10, "security": 10}, "Kestrel Haulage": {"cost": 2775, "transit": 6, "damage": 285, "reefer": true, "tracking": true, "support quality": 3, "ease of use": 6, "security": 5}}, "constraints": [{"attr": "reefer", "op": "is", "value": true}, {"attr": "damage", "op": "<=", "value": 235}], "priority": [], "weights": {"support quality": 45, "ease of use": 35, "security": 20}, "years": null, "check": "Meridian Cargo", "options_q": {"choice": {"kestrel_haulage": "kestrel_haulage", "rhenus_line": "rhenus_line", "vireo_transport": "vireo_transport", "alpfreight": "alpfreight", "none_qualifies": "none_qualifies", "meridian_cargo": "meridian_cargo"}}}, "text_sha256": "2bdbfb8899976f763ef8212017bdd500611e891b6e0cb69783b2563acad30f0d", "state_tokens": 447}}
{"state": "MEMO\nRe: Comparing odds\n\nThere is a sixty-five percent chance that a new customer renews after the trial. There is a thirty-five percent chance that the supplier delivers on time; these two are independent. There is a eighty-two percent chance that the candidate accepts the offer.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which is more likely?", "criteria": {"equally_likely": "They are equally likely", "second_event": "That the candidate accepts the offer", "first_event": "At least one of these happens: a new customer renews after the trial, or the supplier delivers on time"}, "src": "hard_probability", "label": "second_event"}}, "_meta": {"id": "hard-v1/probability/development/00075", "source": "hard_probability", "group_id": "hard-v1/probability/development/00075", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "compare", "facts": {"kind": "compare", "p": {}, "a": {"op": "or", "p1": "65/100", "p2": "35/100"}, "b": "41/50", "options_q": {"choice": {"equally_likely": "equally_likely", "second_event": "second_event", "first_event": "first_event"}}}, "text_sha256": "977a711ea7f1446e56fc72089e81c416d314385f82dbdb5e47afcbbbf2ff7016", "state_tokens": 59}}
{"state": "HOME CONTENTS INSURANCE POLICY\nIssued by Lantern General Insurance\nIn this policy, \"the Insurer\" means Lantern General Insurance and \"the Policyholder\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Art and antiques means paintings, antiques, rugs and other works of art.\n(2) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(3) Bicycles means bicycles and electric scooters.\n(4) Business day means Monday to Friday, excluding public holidays.\n(5) Contents means household goods and personal possessions that belong to the Policyholder or the Policyholder's family.\n(6) Family means the Policyholder's spouse or partner and any children who live with the Policyholder.\n(7) Forcible entry means entry to the home that leaves visible damage to doors, windows or locks.\n(8) Garden items means garden furniture, plants and outdoor tools.\n(9) High-risk items means jewellery, watches, laptops, games consoles and cameras.\n(10) Incident means a single event, or a series of events arising from one cause.\n(11) Limit means the most the Insurer will pay for all claims under a section arising from one incident.\n(12) Outbuilding means a shed, garage or greenhouse within the boundaries of the home.\n(13) Policy period means twelve months from the policy start date shown in the Policyholder's schedule.\n(14) Portable electronics means laptops, tablets and mobile phones.\n(15) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(16) Schedule means the document issued with this policy that shows the Policyholder's details, the covers the Policyholder bought and any extensions.\n(17) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(18) Unoccupied means not lived in by the Policyholder or a member of the Policyholder's family for more than 30 consecutive days.\n\n§ 2  Limits and excess\n(1) Theft: limit $40,000 per incident; excess $100 per claim.\n(2) Escape of Water: limit $30,000 per incident; excess $250 per claim.\n(3) Accidental Damage: limit $2,000 per incident; excess $50 per claim.\n(4) Flood: limit $20,000 per incident; excess $500 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Payment of claims\n(1) The Insurer will pay claims by bank transfer to an account in the Policyholder's name.\n(2) The Insurer aims to pay accepted claims within 5 working days of receiving all the documents the Insurer needs.\n\n§ 4  Optional cover: Accidental Damage\n(1) The Insurer will pay for sudden and unexpected accidental damage to the Policyholder's contents inside the home.\n(2) This section applies only if it is shown as purchased in the Policyholder's schedule.\n(3) The most the Insurer will pay for Portable electronics under this section is $500 per incident.\n(4) The Insurer will not pay for damage caused by pets.\n(5) The Insurer will not pay for wear and tear, or damage that happens gradually.\n\n§ 5  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Policyholder gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Policyholder's claims history.\n\n§ 6  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 7  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 8  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 9  Arbitration\n(1) If the Insurer accepts a claim but disagree with the Policyholder about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Insurer.\n\n§ 10  Flood\n(1) The Insurer will pay for contents damaged by flood water entering the Policyholder's home.\n(2) No cover applies under this section to any incident that happens within the first 60 days after the policy start date.\n(3) The most the Insurer will pay for Garden items under this section is $1,000 per incident.\n(4) The Insurer will not pay for flood damage where a flood warning for the Policyholder's area had been issued before the policy started.\n\n§ 11  Assignment\n(1) The Policyholder cannot transfer the Policyholder's interest in this policy to anyone else without the Insurer's written consent.\n\n§ 12  Escape of Water\n(1) The Insurer will pay for contents damaged by water escaping from a fixed pipe, tank or domestic appliance.\n(2) The most the Insurer will pay for Art and antiques under this section is $2,000 per incident.\n(3) The Insurer will not pay for damage caused by water leaking gradually over a period of time.\n(4) The Insurer will not pay for damage caused by the failure of grout or sealant around baths and showers.\n\n§ 13  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 14  Garden and outdoor cover\n(1) The Insurer will pay for plants, trees and shrubs in the garden of the home that are damaged by fire, lightning or theft.\n(2) The Insurer will not pay for damage caused by frost, storms, drought or animals.\n\n§ 15  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Policyholder should be sent to the address shown in the schedule.\n\n§ 16  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 17  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 18  Freezer contents\n(1) The Insurer will pay for food in a domestic freezer that spoils because of a rise or fall in temperature.\n(2) The Insurer will not pay if the freezer is more than fifteen years old, or if the electricity supplier cut the supply deliberately.\n\n§ 19  Communication\n(1) The Insurer will communicate with the Policyholder in English.\n(2) The Insurer may record telephone calls for training and quality purposes.\n\n§ 20  Theft\n(1) The Insurer will pay for contents stolen from the Policyholder's home.\n(2) The most the Insurer will pay for High-risk items under this section is $1,500 per incident.\n(3) The most the Insurer will pay for Bicycles under this section is $500 per incident.\n(4) The Insurer will not pay for theft while the home is unoccupied.\n(5) The Insurer will not pay for theft where there is no sign of forced entry to the home. This exclusion does not apply where the thief gained entry by deception, for example by posing as a utility worker.\n(6) The Insurer will not pay for theft from sheds, garages or other outbuildings. This exclusion does not apply if the outbuilding was locked and the theft involved forcible entry.\n\n§ 21  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Insurer will pay only the Insurer's proportionate share.\n(2) The Policyholder must tell the Insurer about any other insurance that covers the same loss when the Policyholder makes a claim.\n\n§ 22  Electronic documents\n(1) The Insurer will send documents by email unless the Policyholder asks for paper copies.\n(2) The Policyholder must tell the Insurer if the Policyholder's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 23  Changes in circumstances\n(1) The Policyholder must tell the Insurer as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Insurer may then change the premium or the terms of this policy, or cancel it.\n\n§ 24  Instalment agreements\n(1) If the Policyholder pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 25  Data protection\n(1) The Insurer will use the personal information the Policyholder provides to administer this policy and to handle claims.\n(2) The Insurer will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Policyholder can ask for a copy of the personal information the Insurer holds by writing to the Insurer's data protection officer.\n\n§ 26  Compensation scheme\n(1) The Insurer is covered by a financial services compensation scheme.\n(2) If the Insurer cannot meet the Insurer's obligations, the Policyholder may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 27  Records and evidence\n(1) The Policyholder should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 28  Duty of fair presentation\n(1) The Policyholder must answer all questions the Insurer asks honestly and to the best of the Policyholder's knowledge.\n(2) If the Policyholder gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Policyholder gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 29  Tenant's improvements\n(1) If the Policyholder rents the home, the Insurer will pay for damage to fixtures and fittings that the Policyholder installed and are responsible for.\n(2) This cover applies only to improvements the Policyholder paid for, not to items provided by the landlord.\n\n§ 30  Change of address\n(1) The Policyholder must tell the Insurer within 30 days if the Policyholder changes the Policyholder's address.\n(2) The Insurer may change the premium or the terms from the date of the move.\n\n§ 31  Reasonable precautions\n(1) The Policyholder must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Policyholder must take reasonable steps to recover lost or stolen property.\n\n§ 32  Third-party administrators\n(1) The Insurer may appoint another company to handle claims or other services on the Insurer's behalf.\n(2) Any company the Insurer appoints must follow the terms of this policy and applicable data protection law.\n\n§ 33  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 34  Renewal\n(1) The Insurer will write to the Policyholder at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 35  Environmental commitment\n(1) Where practical, the Insurer will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Policyholder may ask for a new part instead, and the Insurer will tell the Policyholder whether any additional cost would apply.\n\n§ 36  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 37  Market conditions\n(1) If the replacement item is no longer available, the Insurer will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 38  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 39  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Policyholder to repay the amount.\n\n§ 40  Cooperation\n(1) The Policyholder must give the Insurer all the help and information the Insurer reasonably need to settle a claim.\n(2) The Policyholder must not admit liability or offer to settle any claim without the Insurer's written permission.\n\n§ 41  General exclusions\n(1) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(2) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n(3) The Insurer will not pay for any deliberate or criminal act by the Policyholder.\n\n§ 42  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Policyholder must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 43  Automatic renewal\n(1) Unless the Policyholder tells the Insurer otherwise, this policy will renew automatically at the end of the policy period using the payment details the Insurer holds.\n(2) The Policyholder can switch off automatic renewal at any time by contacting the Insurer's helpline.\n\n§ 44  Contents temporarily removed\n(1) The Policyholder's contents are covered while temporarily removed from the home to another building in the same country, for up to 60 days.\n(2) Contents in a student hall of residence are covered only if the student is a member of the Policyholder's family.\n\n§ 45  Waiver\n(1) If the Insurer does not enforce any term of this policy, that does not mean the Insurer has given up the right to enforce it later.\n\n§ 46  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 47  Complaints\n(1) If the Policyholder has a complaint, the Policyholder should first contact the Insurer's customer relations team, quoting the policy number.\n(2) The Insurer will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Policyholder remains dissatisfied, the Policyholder may be able to refer the complaint to an independent ombudsman service.\n\n§ 48  Interest\n(1) The Insurer will not pay interest on any claim payment unless the law requires it.\n\n§ 49  Customer support\n(1) The Insurer's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Policyholder can leave a message and the Insurer will call back on the next working day.\n\n§ 50  Claims documents\n(1) The Policyholder must provide, at the Policyholder's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 51  Making a claim\n(1) The Policyholder must notify the Insurer of a claim within 30 days of the incident. The Insurer will not pay any claim notified after that time.\n(2) The Insurer may appoint a loss adjuster to investigate any claim.\n(3) The Policyholder must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 52  Cancellation\n(1) The Policyholder can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Policyholder can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $15.\n(3) The Insurer can cancel this policy by giving the Policyholder 30 days' written notice to the last address the Insurer holds.\n\n§ 53  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 54  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 55  Alternative accommodation\n(1) If the Policyholder's home cannot be lived in after damage covered by this policy, the Insurer will pay the reasonable cost of comparable temporary accommodation.\n(2) The Insurer will also pay for the temporary housing of pets that live with the Policyholder.\n(3) Cover ends when the home is fit to live in again or after twelve months, whichever is sooner.\n\n§ 56  Inflation\n(1) The Insurer may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Policyholder's renewal documents; limits do not change during a policy period.\n\n§ 57  Subrogation\n(1) The Insurer will be entitled to take over and conduct in the Policyholder's name the defence or settlement of any claim.\n(2) The Insurer can take action in the Policyholder's name to recover any payment the Insurer makes from anyone responsible for the loss.\n\n§ 58  Locks and keys\n(1) If the keys to the Policyholder's home are lost or stolen, the Insurer will pay the cost of replacing the locks to the outside doors.\n(2) The most the Insurer will pay under this clause is $750 for any one claim.\n\n§ 59  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 60  Premium payment\n(1) The Policyholder must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 7 days of its due date, the Insurer may cancel the policy after giving notice.\n\n=== CLAIM ===\nClaim summary: Farah Thorne; policy H302927; policy start 15 May 2025; schedule covers Theft, Escape of Water, Accidental Damage, Flood; extensions none. Section claimed: Escape of Water, for flooring and furniture. Incident date 9 August 2025; notified 26 August 2025; assessed loss $36,584. Facts: A pipe under the kitchen sink burst suddenly during a cold night and soaked the flooring and furniture. A neighbour reported the incident to the building manager. The building is a converted warehouse with six flats.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_less_fee": "Pay the assessed loss less the excess", "pay_sublimit": "Pay up to the Art and antiques sublimit (§ 12(2))", "pay_limit": "Pay up to the Escape of Water limit", "deny_late": "Decline: the claim was notified too late (§ 51(1))", "deny_sealant": "Decline under the failed sealant exclusion (§ 12(4))"}, "src": "hard_long_policy", "label": "pay_limit"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$36,334", "b": "$30,000", "c": "$36,584", "d": "$1,750", "e": "$29,750"}, "src": "hard_long_policy", "label": "b"}}, "_meta": {"id": "hard-v1/long_policy/development/00060", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00060", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "home", "target": "pay_limit", "category": "water", "tempting": null, "facts": {"domain": "home", "fee_order": "before", "notice_days": 30, "categories": {"theft": {"limit": 40000, "fee": 100, "waiting": 0, "purchased": true}, "water": {"limit": 30000, "fee": 250, "waiting": 0, "purchased": true}, "accidental": {"limit": 2000, "fee": 50, "waiting": 0, "purchased": true}, "flood": {"limit": 20000, "fee": 500, "waiting": 60, "purchased": true}}, "classes": {"high_risk": {"category": "theft", "cap": 1500}, "bicycles": {"category": "theft", "cap": 500}, "art": {"category": "water", "cap": 2000}, "portable": {"category": "accidental", "cap": 500}, "garden": {"category": "flood", "cap": 1000}}, "exclusions": [{"key": "unoccupied", "categories": ["theft"], "kind": "threshold", "thr": 30, "cmp": "gt", "has_exception": false}, {"key": "no_forced_entry", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "outbuilding", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "gradual", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "sealant", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pets", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear_home", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "flood_warning", "categories": ["flood"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "water", "item": "the flooring and furniture", "item_class": null, "loss_cents": 3658400, "start": "2025-05-15", "incident": "2025-08-09", "reported": "2025-08-26", "conditions": {}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"pay_less_fee": "pay_less_fee", "pay_sublimit": "pay_sublimit", "pay_limit": "pay_limit", "deny_late": "deny_late", "deny_sealant": "deny_sealant"}, "amount": {"a": 3633400, "b": 3000000, "c": 3658400, "d": 175000, "e": 2975000}}}, "text_sha256": "ae230051f67c041bc9ab0514e8d36b59568fc71c7dbb04f6b75c725d918d9db7", "state_tokens": 4565}}
{"state": "MEMO\nRe: Warranty\n\nThe warranty covers manufacturing defects for 24 months from the purchase date. Accidental damage is never covered. Elin Iyer bought a coffee machine on 29 August 2025. Elin made a warranty claim on 20 February 2028.\n\nThe technician found the machine had been dropped. Elin registered the machine online.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_covered": "Not covered by the warranty", "not_enough_information": "The information given is not enough to decide", "repair_under_warranty": "Repair under warranty"}, "src": "hard_ambiguous", "label": "not_covered"}}, "_meta": {"id": "hard-v1/ambiguous/development/00018", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00018", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "warranty", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "warranty", "insufficient_key": "not_enough_information", "params": {"months": 24, "purchase": "2025-08-29", "claim": "2028-02-20", "cause": "accident"}, "deciding_present": true, "options_q": {"decision": {"not_covered": "not_covered", "not_enough_information": "not_enough_information", "repair_under_warranty": "repair_under_warranty"}}}, "text_sha256": "7e42f8029e6f0e401ae6324b0d3339b7dbcbd9f72f5b629fadeaa41ed5c32ee1", "state_tokens": 82}}
{"state": "MEMO\nRe: Recurring schedule\n\nThe payroll run happens every three weeks on the same weekday. The first run of the year was on Monday 16 March 2026. Question concerns the 7th run of the year, counting the first run as run 1.", "questions": {"date": {"type": "choice", "instructions": "Date of the requested occurrence:", "criteria": {"a": "20 July 2026", "b": "10 August 2026", "c": "29 June 2026", "d": "21 July 2026", "e": "27 April 2026"}, "src": "hard_temporal_numeric", "label": "a"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00027", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00027", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "recurring_every_n_weeks", "facts": {"kind": "recurring", "pattern": "every_n_weeks", "first": "2026-03-16", "n": 3, "k": 7, "options_q": {"date": {"a": "2026-07-20", "b": "2026-08-10", "c": "2026-06-29", "d": "2026-07-21", "e": "2026-04-27"}}}, "text_sha256": "c4f7547a005105b7e4f6ee3522bfbcfedf71035aa4908cd14dd0adeae10bc04b", "state_tokens": 60}}
{"state": "MEMO\nRe: Tenure\n\nEmployees are eligible for a sabbatical once they have completed 5 years of continuous employment with the company on the date they apply. Rosa Nguyen applied for the sabbatical on 6 April 2025. Rosa moved to the Storage team on 9 September 2023.\n\nRosa's manager supports the application.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "eligible": "Eligible for the sabbatical", "not_eligible": "Not yet eligible"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00075", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00074", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "tenure", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": false, "facts": {"scenario": "tenure", "insufficient_key": "not_enough_information", "params": {"years": 5, "apply": "2025-04-06", "hired": null, "moved": "2023-09-09"}, "deciding_present": false, "options_q": {"decision": {"not_enough_information": "not_enough_information", "eligible": "eligible", "not_eligible": "not_eligible"}}}, "text_sha256": "b4de4ef5bea11600e85a8dc83940852030533962a524dc5a6efefcbe91e5d6d2", "state_tokens": 78}}
{"state": "MEMO\nRe: Invoice payment timing\n\nA late fee applies when payment arrives more than 60 days after the invoice date. Payment reached the account on 16 September 2025. Invoice 87952 was issued on 7 July 2025.", "questions": {"days": {"type": "choice", "instructions": "Number of days from invoice to payment:", "criteria": {"a": "73 days", "b": "72 days", "c": "69 days", "d": "70 days", "e": "71 days"}, "src": "hard_temporal_numeric", "label": "e"}, "late": {"type": "noul", "instructions": "Does the late fee apply?", "src": "hard_temporal_numeric", "label": true}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00037", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00037", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "diff", "facts": {"kind": "diff", "invoice": "2025-07-07", "paid": "2025-09-16", "limit": 60, "options_q": {"days": {"a": 73, "b": 72, "c": 69, "d": 70, "e": 71}}}, "text_sha256": "5648577039c1206a08a794d7d236140052393009c60989b92a88fe07ec356049", "state_tokens": 61}}
{"state": "MEMO\nRe: Group structure\n\nAn entity controls a company if it holds more than 50% of that company's shares, counting shares it holds directly and shares held by companies it controls. Juno Capital owns 64% of Birchfield Capital. Hollis Investments owns 36% of Dunmore Ventures.\n\nEastgate Partners owns 45% of Ivel Holdings. Hollis Investments owns 36% of Birchfield Capital. Birchfield Capital owns 30% of Ivel Holdings.\n\nJuno Capital owns 64% of Dunmore Ventures. Dunmore Ventures owns 25% of Ivel Holdings.", "questions": {"controller": {"type": "choice", "instructions": "Name the ultimate controller of Ivel Holdings.", "criteria": {"juno_capital": null, "birchfield_capital": null, "no_controller": "No entity controls it", "dunmore_ventures": null, "eastgate_partners": null}, "src": "hard_multi_hop", "label": "juno_capital"}, "interest": {"type": "choice", "instructions": "What is Juno Capital's effective economic interest in Ivel Holdings (its share of Ivel Holdings's profits through all holdings)?", "criteria": {"a": "70.4%", "b": "30.0%", "c": "64.0%", "d": "35.2%", "e": "55.0%"}, "src": "hard_multi_hop", "label": "d"}}, "_meta": {"id": "hard-v1/multi_hop/development/00010", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00010", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "ownership", "shape": "split", "facts": {"kind": "ownership", "stakes": {"Birchfield Capital": {"Juno Capital": "64/100", "Hollis Investments": "36/100"}, "Dunmore Ventures": {"Juno Capital": "64/100", "Hollis Investments": "36/100"}, "Ivel Holdings": {"Birchfield Capital": "30/100", "Dunmore Ventures": "25/100", "Eastgate Partners": "45/100"}}, "candidates": ["Juno Capital", "Eastgate Partners", "Birchfield Capital", "Dunmore Ventures"], "target": "Ivel Holdings", "top": "Juno Capital", "options_q": {"controller": {"juno_capital": "juno_capital", "birchfield_capital": "birchfield_capital", "no_controller": "no_controller", "dunmore_ventures": "dunmore_ventures", "eastgate_partners": "eastgate_partners"}, "interest": {"a": 704, "b": 300, "c": 640, "d": 352, "e": 550}}}, "text_sha256": "268c34fd24f3792d608e1c41f09fccc013247080072a9c54a57e57bb40f17e64", "state_tokens": 134}}
{"state": "REVIEW REQUEST\nItem: Convert 655 pounds to kilograms (1 pound = 0.45359237 kg). Give the answer to one decimal place.\nSubmitted result: Answer: 1,444.0 kilograms", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "297.1 kilograms", "b": "1,444.1 kilograms", "c": "1,444.0 kilograms", "d": "2,971.0 kilograms", "e": "298.1 kilograms"}, "src": "hard_judge", "label": "a"}}, "_meta": {"id": "hard-v1/judge/development/00028", "source": "hard_judge", "group_id": "hard-v1/judge/development/00028", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "convert", "error": "inverted", "facts": {"kind": "convert", "args": {"x": "655", "factor": "45359237/100000000", "offset": 0}, "dp": 1, "proposed": 14440, "error": "inverted", "options_q": {"value": {"a": 2971, "b": 14441, "c": 14440, "d": 29710, "e": 2981}}}, "text_sha256": "01d4418f44be2925766627fe6b4fe7b060093dc5e923fd22862f20f07eb2cf0e", "state_tokens": 54}}
{"state": "REVIEW REQUEST\nItem: Monthly active users went from 4,994 to 5,408. What is the percentage change, to one decimal place (negative for a decrease)?\nSubmitted result: I think 8.3%", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "7.7%", "b": "414.0%", "c": "8.3%", "d": "-8.3%", "e": "108.3%"}, "src": "hard_judge", "label": "c"}}, "_meta": {"id": "hard-v1/judge/development/00006", "source": "hard_judge", "group_id": "hard-v1/judge/development/00006", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "pct_change", "error": null, "facts": {"kind": "pct_change", "args": {"old": 4994, "new": 5408}, "dp": 1, "proposed": 83, "error": null, "options_q": {"value": {"a": 77, "b": 4140, "c": 83, "d": -83, "e": 1083}}}, "text_sha256": "0484ff82759b143f2dbde5d2f43e9dc665e09e2e3ff80380ffb117343e7ab20b", "state_tokens": 52}}
{"state": "MEMO\nRe: Project funding decision\n\nThe planning team must fund exactly one of 4 projects and wants the highest expected net value (expected payoff minus up-front cost). Project Fjord costs $140,000 up front and has a fifteen percent chance of a gain of $820,000; a twenty percent chance of a loss of $30,000; a sixty-five percent chance of a loss of $40,000. Project Cedar costs $10,000 up front and has a forty percent chance of a gain of $610,000; a twenty-five percent chance of a gain of $570,000; a thirty-five percent chance of a gain of $390,000.\n\nProject Beacon costs $60,000 up front and has a ninety percent chance of a gain of $770,000; a ten percent chance of a gain of $750,000. Project Garnet costs $50,000 up front and has a ninety percent chance of a gain of $830,000; a ten percent chance of a gain of $30,000.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which project has the highest expected net value?", "criteria": {"project_garnet": null, "project_beacon": null, "project_cedar": null, "project_fjord": null}, "src": "hard_probability", "label": "project_beacon"}, "value": {"type": "choice", "instructions": "Per the figures given, What is the expected net value of Project Garnet?", "criteria": {"a": "$380,000", "b": "$650,000", "c": "$700,000", "d": "$780,000", "e": "$750,000"}, "src": "hard_probability", "label": "c"}}, "_meta": {"id": "hard-v1/probability/development/00089", "source": "hard_probability", "group_id": "hard-v1/probability/development/00089", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "ev", "facts": {"kind": "ev", "p": {}, "projects": {"Project Fjord": {"outcomes": [["15/100", 820000], ["20/100", -30000], ["65/100", -40000]], "cost": 140000}, "Project Cedar": {"outcomes": [["40/100", 610000], ["25/100", 570000], ["35/100", 390000]], "cost": 10000}, "Project Beacon": {"outcomes": [["90/100", 770000], ["10/100", 750000]], "cost": 60000}, "Project Garnet": {"outcomes": [["90/100", 830000], ["10/100", 30000]], "cost": 50000}}, "asked": "Project Garnet", "options_q": {"choice": {"project_garnet": "project_garnet", "project_beacon": "project_beacon", "project_cedar": "project_cedar", "project_fjord": "project_fjord"}, "value": {"a": 380000, "b": 650000, "c": 700000, "d": 780000, "e": 750000}}}, "text_sha256": "8747a561ca34364b4e593ddc0d8fccfe4fb5a969c79dbb54fe4785a326f127bd", "state_tokens": 265}}
{"state": "MEMO\nRe: Meeting across time zones\n\nA call is scheduled for Thursday, January 21, 8:00 PM Denver time. On that date Denver is on UTC-6 and Honolulu is on UTC-10. One attendee is in Honolulu.", "questions": {"local": {"type": "choice", "instructions": "Local start time in Honolulu:", "criteria": {"a": "Thursday, January 21, 3:00 PM", "b": "Thursday, January 21, 5:00 PM", "c": "Friday, January 22, 4:00 PM", "d": "Friday, January 22, 12:00 AM", "e": "Thursday, January 21, 4:00 PM"}, "src": "hard_temporal_numeric", "label": "e"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00046", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00046", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "tz", "facts": {"kind": "tz", "start": "2027-01-21T20:00", "off_a": -6, "off_b": -10, "options_q": {"local": {"a": "2027-01-21T15:00", "b": "2027-01-21T17:00", "c": "2027-01-22T16:00", "d": "2027-01-22T00:00", "e": "2027-01-21T16:00"}}}, "text_sha256": "75a00e5e85f8daa10dd1c03313c592dd7bf603c5e8c9e669edbdf4045b3cf26b", "state_tokens": 55}}
{"state": "MEMO\nRe: Group structure\n\nAn entity controls a company if it holds more than 50% of that company's shares, counting shares it holds directly and shares held by companies it controls. Aldermoor Holdings owns 88% of Dunmore Ventures. Hollis Investments owns 35% of Garrow Trust.\n\nLysander Group owns 12% of Dunmore Ventures. Dunmore Ventures owns 65% of Garrow Trust.", "questions": {"controller": {"type": "choice", "instructions": "Name the ultimate controller of Garrow Trust.", "criteria": {"lysander_group": null, "hollis_investments": null, "no_controller": "No entity controls it", "aldermoor_holdings": null, "dunmore_ventures": null}, "src": "hard_multi_hop", "label": "aldermoor_holdings"}, "interest": {"type": "choice", "instructions": "What is Aldermoor Holdings's effective economic interest in Garrow Trust (its share of Garrow Trust's profits through all holdings)?", "criteria": {"a": "57.2%", "b": "28.6%", "c": "65.0%", "d": "88.0%"}, "src": "hard_multi_hop", "label": "a"}}, "_meta": {"id": "hard-v1/multi_hop/development/00032", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00032", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "ownership", "shape": "chain", "facts": {"kind": "ownership", "stakes": {"Dunmore Ventures": {"Aldermoor Holdings": "88/100", "Lysander Group": "12/100"}, "Garrow Trust": {"Dunmore Ventures": "65/100", "Hollis Investments": "35/100"}}, "candidates": ["Aldermoor Holdings", "Dunmore Ventures", "Hollis Investments", "Lysander Group"], "target": "Garrow Trust", "top": "Aldermoor Holdings", "options_q": {"controller": {"lysander_group": "lysander_group", "hollis_investments": "hollis_investments", "no_controller": "no_controller", "aldermoor_holdings": "aldermoor_holdings", "dunmore_ventures": "dunmore_ventures"}, "interest": {"a": 572, "b": 286, "c": 650, "d": 880}}}, "text_sha256": "48d4ab2ff76ad1874ee38e1b6810eb68f4fb1c64cc03e75804b0f89ac26d886e", "state_tokens": 96}}
{"state": "MEMO\nRe: Subscription cancellation\n\nA customer paid $3,650.00 for an annual plan running from 7 March 2026 up to (but not including) 7 March 2027. They cancelled on 13 August 2026. Refund rule: refund the annual price multiplied by the number of unused days and divided by the number of days in the plan year; the cancellation day counts as used. Round to the nearest cent.", "questions": {"refund": {"type": "choice", "instructions": "Refund due:", "criteria": {"a": "$2,129.17", "b": "$2,060.00", "c": "$1,600.00", "d": "$2,044.40", "e": "$2,050.00"}, "src": "hard_temporal_numeric", "label": "e"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00064", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00064", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "prorata", "leap": false, "facts": {"kind": "prorata", "start": "2026-03-07", "end": "2027-03-07", "cancel": "2026-08-13", "price_cents": 365000, "options_q": {"refund": {"a": 212917, "b": 206000, "c": 160000, "d": 204440, "e": 205000}}}, "text_sha256": "8afd613d848d6a840398b7addf25971df32a2bc27910deb262f0d46a0b1d3c3f", "state_tokens": 103}}
{"state": "MEMO\nRe: Complaint response deadline\n\nGranite Peak Software must answer every formal complaint within 14 business days of receiving it. Business days are Monday to Friday, excluding the public holidays listed here; the day the complaint is received does not count. Public holidays this year: Remembrance Day (Monday 1 June 2026); Company Day (Thursday 2 July 2026); Founders' Day (Monday 13 July 2026); Spring Holiday (Sunday 26 July 2026).\n\nA complaint was received on Friday 26 June 2026.", "questions": {"due": {"type": "choice", "instructions": "Compute the due date.", "criteria": {"a": "10 July 2026", "b": "16 July 2026", "c": "21 July 2026", "d": "20 July 2026", "e": "17 July 2026"}, "src": "hard_temporal_numeric", "label": "d"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00018", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00018", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "deadline", "facts": {"kind": "deadline", "received": "2026-06-26", "n": 14, "holidays": ["2026-06-01", "2026-07-02", "2026-07-13", "2026-07-26"], "options_q": {"due": {"a": "2026-07-10", "b": "2026-07-16", "c": "2026-07-21", "d": "2026-07-20", "e": "2026-07-17"}}}, "text_sha256": "7f5859b332ea7c080d6dfafec2faa11428f6cd55a746e4325a27e2e035e5908d", "state_tokens": 131}}
{"state": "HOME CONTENTS INSURANCE POLICY\nIssued by Keystone Home Mutual\nIn this policy, \"the Insurer\" means Keystone Home Mutual and \"the Policyholder\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Art and antiques means paintings, antiques, rugs and other works of art.\n(2) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(3) Bicycles means bicycles and electric scooters.\n(4) Business day means Monday to Friday, excluding public holidays.\n(5) Contents means household goods and personal possessions that belong to the Policyholder or the Policyholder's family.\n(6) Family means the Policyholder's spouse or partner and any children who live with the Policyholder.\n(7) Forcible entry means entry to the home that leaves visible damage to doors, windows or locks.\n(8) Garden items means garden furniture, plants and outdoor tools.\n(9) High-risk items means jewellery, watches, laptops, games consoles and cameras.\n(10) Home means the private residence at the address shown in the schedule.\n(11) Incident means a single event, or a series of events arising from one cause.\n(12) Limit means the most the Insurer will pay for all claims under a section arising from one incident.\n(13) Outbuilding means a shed, garage or greenhouse within the boundaries of the home.\n(14) Policy period means twelve months from the policy start date shown in the Policyholder's schedule.\n(15) Portable electronics means laptops, tablets and mobile phones.\n(16) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(17) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(18) Schedule means the document issued with this policy that shows the Policyholder's details, the covers the Policyholder bought and any extensions.\n(19) Unoccupied means not lived in by the Policyholder or a member of the Policyholder's family for more than 45 consecutive days.\n\n§ 2  Limits and excess\n(1) Theft: limit $40,000 per incident; excess $500 per claim.\n(2) Escape of Water: limit $15,000 per incident; excess $1,000 per claim.\n(3) Accidental Damage: limit $3,000 per incident; excess $100 per claim.\n(4) Flood: limit $20,000 per incident; excess $1,000 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 4  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Insurer will pay only the Insurer's proportionate share.\n(2) The Policyholder must tell the Insurer about any other insurance that covers the same loss when the Policyholder makes a claim.\n\n§ 5  Garden and outdoor cover\n(1) The Insurer will pay for plants, trees and shrubs in the garden of the home that are damaged by fire, lightning or theft.\n(2) The Insurer will not pay for damage caused by frost, storms, drought or animals.\n\n§ 6  Inflation\n(1) The Insurer may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Policyholder's renewal documents; limits do not change during a policy period.\n\n§ 7  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 8  Assignment\n(1) The Policyholder cannot transfer the Policyholder's interest in this policy to anyone else without the Insurer's written consent.\n\n§ 9  Renewal\n(1) The Insurer will write to the Policyholder at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 10  Change of address\n(1) The Policyholder must tell the Insurer within 30 days if the Policyholder changes the Policyholder's address.\n(2) The Insurer may change the premium or the terms from the date of the move.\n\n§ 11  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 12  Contents temporarily removed\n(1) The Policyholder's contents are covered while temporarily removed from the home to another building in the same country, for up to 60 days.\n(2) Contents in a student hall of residence are covered only if the student is a member of the Policyholder's family.\n\n§ 13  Environmental commitment\n(1) Where practical, the Insurer will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Policyholder may ask for a new part instead, and the Insurer will tell the Policyholder whether any additional cost would apply.\n\n§ 14  Records and evidence\n(1) The Policyholder should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 15  Waiver\n(1) If the Insurer does not enforce any term of this policy, that does not mean the Insurer has given up the right to enforce it later.\n\n§ 16  Subrogation\n(1) The Insurer will be entitled to take over and conduct in the Policyholder's name the defence or settlement of any claim.\n(2) The Insurer can take action in the Policyholder's name to recover any payment the Insurer makes from anyone responsible for the loss.\n\n§ 17  Data protection\n(1) The Insurer will use the personal information the Policyholder provides to administer this policy and to handle claims.\n(2) The Insurer will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Policyholder can ask for a copy of the personal information the Insurer holds by writing to the Insurer's data protection officer.\n\n§ 18  Third-party administrators\n(1) The Insurer may appoint another company to handle claims or other services on the Insurer's behalf.\n(2) Any company the Insurer appoints must follow the terms of this policy and applicable data protection law.\n\n§ 19  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 20  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Policyholder gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Policyholder's claims history.\n\n§ 21  Electronic documents\n(1) The Insurer will send documents by email unless the Policyholder asks for paper copies.\n(2) The Policyholder must tell the Insurer if the Policyholder's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 22  Instalment agreements\n(1) If the Policyholder pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 23  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 24  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 25  Premium payment\n(1) The Policyholder must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Insurer may cancel the policy after giving notice.\n\n§ 26  Theft\n(1) The Insurer will pay for contents stolen from the Policyholder's home.\n(2) The most the Insurer will pay for High-risk items under this section is $1,500 per incident.\n(3) The most the Insurer will pay for Bicycles under this section is $500 per incident.\n(4) The Insurer will not pay for theft while the home is unoccupied.\n(5) The Insurer will not pay for theft where there is no sign of forced entry to the home. This exclusion does not apply where the thief gained entry by deception, for example by posing as a utility worker.\n(6) The Insurer will not pay for theft from sheds, garages or other outbuildings. This exclusion does not apply if the outbuilding was locked and the theft involved forcible entry.\n\n§ 27  Cooperation\n(1) The Policyholder must give the Insurer all the help and information the Insurer reasonably need to settle a claim.\n(2) The Policyholder must not admit liability or offer to settle any claim without the Insurer's written permission.\n\n§ 28  Payment of claims\n(1) The Insurer will pay claims by bank transfer to an account in the Policyholder's name.\n(2) The Insurer aims to pay accepted claims within 10 working days of receiving all the documents the Insurer needs.\n\n§ 29  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 30  Arbitration\n(1) If the Insurer accepts a claim but disagree with the Policyholder about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Insurer.\n\n§ 31  Compensation scheme\n(1) The Insurer is covered by a financial services compensation scheme.\n(2) If the Insurer cannot meet the Insurer's obligations, the Policyholder may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 32  Communication\n(1) The Insurer will communicate with the Policyholder in English.\n(2) The Insurer may record telephone calls for training and quality purposes.\n\n§ 33  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 34  Automatic renewal\n(1) Unless the Policyholder tells the Insurer otherwise, this policy will renew automatically at the end of the policy period using the payment details the Insurer holds.\n(2) The Policyholder can switch off automatic renewal at any time by contacting the Insurer's helpline.\n\n§ 35  Cancellation\n(1) The Policyholder can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Policyholder can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $25.\n(3) The Insurer can cancel this policy by giving the Policyholder 30 days' written notice to the last address the Insurer holds.\n\n§ 36  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Policyholder to repay the amount.\n\n§ 37  Market conditions\n(1) If the replacement item is no longer available, the Insurer will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 38  Flood\n(1) The Insurer will pay for contents damaged by flood water entering the Policyholder's home.\n(2) No cover applies under this section to any incident that happens within the first 60 days after the policy start date.\n(3) The most the Insurer will pay for Garden items under this section is $1,000 per incident.\n(4) The Insurer will not pay for flood damage where a flood warning for the Policyholder's area had been issued before the policy started.\n\n§ 39  Escape of Water\n(1) The Insurer will pay for contents damaged by water escaping from a fixed pipe, tank or domestic appliance.\n(2) The most the Insurer will pay for Art and antiques under this section is $1,000 per incident.\n(3) The Insurer will not pay for damage caused by water leaking gradually over a period of time.\n(4) The Insurer will not pay for damage caused by the failure of grout or sealant around baths and showers.\n\n§ 40  Changes in circumstances\n(1) The Policyholder must tell the Insurer as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Insurer may then change the premium or the terms of this policy, or cancel it.\n\n§ 41  Complaints\n(1) If the Policyholder has a complaint, the Policyholder should first contact the Insurer's customer relations team, quoting the policy number.\n(2) The Insurer will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Policyholder remains dissatisfied, the Policyholder may be able to refer the complaint to an independent ombudsman service.\n\n§ 42  Reasonable precautions\n(1) The Policyholder must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Policyholder must take reasonable steps to recover lost or stolen property.\n\n§ 43  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 44  Claims documents\n(1) The Policyholder must provide, at the Policyholder's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 45  Optional cover: Accidental Damage\n(1) The Insurer will pay for sudden and unexpected accidental damage to the Policyholder's contents inside the home.\n(2) This section applies only if it is shown as purchased in the Policyholder's schedule.\n(3) The most the Insurer will pay for Portable electronics under this section is $500 per incident.\n(4) The Insurer will not pay for damage caused by pets.\n(5) The Insurer will not pay for wear and tear, or damage that happens gradually.\n\n§ 46  Tenant's improvements\n(1) If the Policyholder rents the home, the Insurer will pay for damage to fixtures and fittings that the Policyholder installed and are responsible for.\n(2) This cover applies only to improvements the Policyholder paid for, not to items provided by the landlord.\n\n§ 47  General exclusions\n(1) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(2) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(3) The Insurer will not pay for any deliberate or criminal act by the Policyholder.\n(4) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n(5) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n(6) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n\n§ 48  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 49  Duty of fair presentation\n(1) The Policyholder must answer all questions the Insurer asks honestly and to the best of the Policyholder's knowledge.\n(2) If the Policyholder gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Policyholder gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 50  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 51  Customer support\n(1) The Insurer's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Policyholder can leave a message and the Insurer will call back on the next working day.\n\n§ 52  Interest\n(1) The Insurer will not pay interest on any claim payment unless the law requires it.\n\n§ 53  Making a claim\n(1) The Policyholder must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Policyholder must notify the Insurer of a claim within 14 days of the incident. The Insurer will not pay any claim notified after that time.\n(3) The Insurer may appoint a loss adjuster to investigate any claim.\n\n§ 54  Freezer contents\n(1) The Insurer will pay for food in a domestic freezer that spoils because of a rise or fall in temperature.\n(2) The Insurer will not pay if the freezer is more than fifteen years old, or if the electricity supplier cut the supply deliberately.\n\n§ 55  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 56  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Policyholder must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 57  Locks and keys\n(1) If the keys to the Policyholder's home are lost or stolen, the Insurer will pay the cost of replacing the locks to the outside doors.\n(2) The most the Insurer will pay under this clause is $500 for any one claim.\n\n§ 58  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Policyholder should be sent to the address shown in the schedule.\n\n§ 59  Alternative accommodation\n(1) If the Policyholder's home cannot be lived in after damage covered by this policy, the Insurer will pay the reasonable cost of comparable temporary accommodation.\n(2) The Insurer will also pay for the temporary housing of pets that live with the Policyholder.\n(3) Cover ends when the home is fit to live in again or after twelve months, whichever is sooner.\n\n§ 60  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n=== CLAIM ===\nClaim summary: Aiko Sato; policy D264755; policy start 24 January 2026; schedule covers Theft, Escape of Water, Accidental Damage, Flood; extensions none. Section claimed: Flood, for furniture and appliances on the ground floor. Incident date 28 May 2026; notified 10 June 2026; assessed loss $16,840. Facts: A flood warning for the area had been issued three days before the policy start date. Aiko works from home three days a week. A neighbour reported the incident to the building manager. The building is a converted warehouse with six flats.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_sublimit": "Pay up to the Garden items sublimit (§ 38(3))", "deny_late": "Decline: the claim was notified too late (§ 53(2))", "not_covered": "Decline: Flood is not a cover shown in the schedule", "pay_less_fee": "Pay the assessed loss less the excess", "deny_flood_warning": "Decline under the flood warnings exclusion (§ 38(4))"}, "src": "hard_long_policy", "label": "deny_flood_warning"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$15,840", "b": "$0", "c": "$20,000", "d": "$16,840", "e": "$19,000"}, "src": "hard_long_policy", "label": "b"}}, "_meta": {"id": "hard-v1/long_policy/development/00003", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00003", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "home", "target": "deny_exclusion", "category": "flood", "tempting": null, "facts": {"domain": "home", "fee_order": "before", "notice_days": 14, "categories": {"theft": {"limit": 40000, "fee": 500, "waiting": 0, "purchased": true}, "water": {"limit": 15000, "fee": 1000, "waiting": 0, "purchased": true}, "accidental": {"limit": 3000, "fee": 100, "waiting": 0, "purchased": true}, "flood": {"limit": 20000, "fee": 1000, "waiting": 60, "purchased": true}}, "classes": {"high_risk": {"category": "theft", "cap": 1500}, "bicycles": {"category": "theft", "cap": 500}, "art": {"category": "water", "cap": 1000}, "portable": {"category": "accidental", "cap": 500}, "garden": {"category": "flood", "cap": 1000}}, "exclusions": [{"key": "unoccupied", "categories": ["theft"], "kind": "threshold", "thr": 45, "cmp": "gt", "has_exception": false}, {"key": "no_forced_entry", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "outbuilding", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "gradual", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "sealant", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pets", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear_home", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "flood_warning", "categories": ["flood"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "flood", "item": "the furniture and appliances", "item_class": null, "loss_cents": 1684000, "start": "2026-01-24", "incident": "2026-05-28", "reported": "2026-06-10", "conditions": {"flood_warning": true}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"pay_sublimit": "pay_sublimit", "deny_late": "deny_late", "not_covered": "not_covered", "pay_less_fee": "pay_less_fee", "deny_flood_warning": "deny_flood_warning"}, "amount": {"a": 1584000, "b": 0, "c": 2000000, "d": 1684000, "e": 1900000}}}, "text_sha256": "81e8c5aed439876bd0024baf91a89cbaa0a3f30dd66be8c3244232782f9098dd", "state_tokens": 4679}}
{"state": "REVIEW REQUEST\nItem: An order has 12 notebooks at $29.31 each and 3 desk lamps at $114.54 each. A 10% discount applies to the whole order, and then 7% sales tax is added. What is the final total, to the nearest cent?\nSubmitted result: I think $669.61", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$669.61", "b": "$625.81", "c": "$449.01", "d": "$674.48", "e": "$706.38"}, "src": "hard_judge", "label": "a"}}, "_meta": {"id": "hard-v1/judge/development/00011", "source": "hard_judge", "group_id": "hard-v1/judge/development/00011", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "order", "error": null, "facts": {"kind": "order", "args": {"q1": 12, "p1": "2931/100", "q2": 3, "p2": "5727/50", "d": "1/10", "tax": "7/100"}, "dp": 2, "proposed": 66961, "error": null, "options_q": {"value": {"a": 66961, "b": 62581, "c": 44901, "d": 67448, "e": 70638}}}, "text_sha256": "b65549fe9dba7bf59d4fabba5823b3d96fad34585be54ed18f9c1747bbf93398", "state_tokens": 82}}
{"state": "REVIEW REQUEST\nItem: Posts are placed every 4 metres along a straight 84-metre fence, with a post at both ends. How many posts are needed?\nSubmitted result: Pretty sure it's 336 posts", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "23 posts", "b": "336 posts", "c": "21 posts", "d": "22 posts", "e": "337 posts"}, "src": "hard_judge", "label": "d"}}, "_meta": {"id": "hard-v1/judge/development/00050", "source": "hard_judge", "group_id": "hard-v1/judge/development/00050", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "fence", "error": "area_like", "facts": {"kind": "fence", "args": {"length": 84, "gap": 4}, "dp": 0, "proposed": 336, "error": "area_like", "options_q": {"value": {"a": 23, "b": 336, "c": 21, "d": 22, "e": 337}}}, "text_sha256": "13975886240bad76a67d5e498746b94637e42e9c105dcfdeccdde629f9bd8a86", "state_tokens": 49}}
{"state": "REVIEW REQUEST\nItem: Machine A packs 43 boxes per hour and machine B packs 183 boxes per hour. Working together, how many hours do they need to pack 565 boxes? Give one decimal place.\nSubmitted result: 5.0 hours", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "5.1 hours", "b": "2.5 hours", "c": "3.1 hours", "d": "5.0 hours", "e": "16.2 hours"}, "src": "hard_judge", "label": "b"}}, "_meta": {"id": "hard-v1/judge/development/00054", "source": "hard_judge", "group_id": "hard-v1/judge/development/00054", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "rate", "error": "average_rate", "facts": {"kind": "rate", "args": {"items": 565, "r1": 43, "r2": 183}, "dp": 1, "proposed": 50, "error": "average_rate", "options_q": {"value": {"a": 51, "b": 25, "c": 31, "d": 50, "e": 162}}}, "text_sha256": "7e71ca80cc9a96ca3365d73ff37c7b1e521bfdf0eeb0e9545c0ab2201099c60a", "state_tokens": 58}}
{"state": "REVIEW REQUEST\nItem: Rule: a discount applies only if neither the customer is a loyalty member nor it is the customer's birthday month. Facts: the customer is a loyalty member; it is not true that it is the customer's birthday month; it is not true that the customer used a promo code. Does the discount apply?\nSubmitted result: Final answer: No, the discount does not apply.", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}}, "_meta": {"id": "hard-v1/judge/development/00063", "source": "hard_judge", "group_id": "hard-v1/judge/development/00063", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "logic", "error": null, "facts": {"kind": "logic", "args": {"atoms": ["member", "birthday", "promo"], "form": "not_or", "values": {"member": true, "birthday": false, "promo": false}}, "proposed": false, "error": null}, "text_sha256": "c7a4a9ba282fa3be05e1109b22e7b16fdcba8df433dd477a30c4d0efa648bd50", "state_tokens": 83}}
{"state": "SPEC SHEET: a freight carrier for the Rotterdam to Milan lane\nAlpfreight | price per shipment=$1,750 | transit time=7 days | damage rate=0.40% | temperature-controlled trailers=yes | live GPS tracking=yes\nMeridian Cargo | price per shipment=$3,950 | transit time=7 days | damage rate=2.50% | temperature-controlled trailers=yes | live GPS tracking=yes\nRhenus Line | price per shipment=$2,775 | transit time=4 days | damage rate=1.50% | temperature-controlled trailers=no | live GPS tracking=no\nPortway | price per shipment=$2,750 | transit time=9 days | damage rate=0.90% | temperature-controlled trailers=no | live GPS tracking=yes\nR1: it must offer live GPS tracking\nSelection: Among the options that meet every requirement, choose the one with the lowest transit time; if two or more are tied on transit time, choose the one with the lowest price per shipment.", "questions": {"choice": {"type": "choice", "instructions": "Which carrier best satisfies the brief?", "criteria": {"portway": null, "alpfreight": null, "meridian_cargo": null, "rhenus_line": null}, "src": "hard_tradeoff", "label": "alpfreight"}, "meets": {"type": "noul", "instructions": "Does Meridian Cargo meet every hard requirement?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00031", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00031", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "carrier", "none_case": false, "facts": {"rule": "lex", "options": {"Alpfreight": {"cost": 1750, "transit": 7, "damage": 40, "reefer": true, "tracking": true}, "Meridian Cargo": {"cost": 3950, "transit": 7, "damage": 250, "reefer": true, "tracking": true}, "Rhenus Line": {"cost": 2775, "transit": 4, "damage": 150, "reefer": false, "tracking": false}, "Portway": {"cost": 2750, "transit": 9, "damage": 90, "reefer": false, "tracking": true}}, "constraints": [{"attr": "tracking", "op": "is", "value": true}], "priority": [["transit", "lower"], ["cost", "lower"]], "weights": {}, "years": null, "check": "Meridian Cargo", "options_q": {"choice": {"portway": "portway", "alpfreight": "alpfreight", "meridian_cargo": "meridian_cargo", "rhenus_line": "rhenus_line"}}}, "text_sha256": "ab3e37196469c1ebfc4bcce961a733b8075676c162863df63296ee9cb4374fd8", "state_tokens": 220}}
{"state": "REVIEW REQUEST\nItem: Posts are placed every 10 metres along a straight 240-metre fence, with a post at both ends. How many posts are needed?\nSubmitted result: Final answer: 26 posts", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "2,400 posts", "b": "25 posts", "c": "24 posts", "d": "26 posts", "e": "27 posts"}, "src": "hard_judge", "label": "b"}}, "_meta": {"id": "hard-v1/judge/development/00078", "source": "hard_judge", "group_id": "hard-v1/judge/development/00078", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "fence", "error": "double_end", "facts": {"kind": "fence", "args": {"length": 240, "gap": 10}, "dp": 0, "proposed": 26, "error": "double_end", "options_q": {"value": {"a": 2400, "b": 25, "c": 24, "d": 26, "e": 27}}}, "text_sha256": "a4efaee7b09ddece0921249185416200f191b35c12a58e48addbc3ce794a9bf0", "state_tokens": 49}}
{"state": "MEMO\nRe: Approval routing\n\nPurchase requests of this size must be approved by the requester's manager's manager (the skip-level manager). Kwame reports to Tariq. Ravi reports to Rafael.\n\nAiko reports to Leila. Kofi reports to Hugo. Hana reports to Mira.\n\nMira reports to Ashok. Diego is a Chief Executive. Leila is a Vice President.\n\nKwame is an Engineer. Mira is a Manager. Aiko is a Director.\n\nHana is an Engineer. Tariq is a Manager. Hugo is a Manager.\n\nAshok is a Senior Manager. Kofi is an Engineer. Rafael is a Director.\n\nRavi is a Senior Manager. Tomas is a Manager. Priya is an Engineer.\n\nLeila reports to Diego. Tariq reports to Ashok. Tomas reports to Ravi.\n\nPriya reports to Tomas. Rafael reports to Leila. Hugo reports to Ravi.\n\nAshok reports to Aiko. Kwame has submitted a purchase request for $30,500.", "questions": {"approver": {"type": "choice", "instructions": "Which person has to approve the request?", "criteria": {"ashok": null, "diego": null, "tariq": null, "leila": null, "aiko": null}, "src": "hard_multi_hop", "label": "ashok"}}, "_meta": {"id": "hard-v1/multi_hop/development/00059", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00059", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "org", "rule": "skip", "hops": 5, "facts": {"kind": "org", "reports": {"Leila": "Diego", "Aiko": "Leila", "Rafael": "Leila", "Ashok": "Aiko", "Ravi": "Rafael", "Tariq": "Ashok", "Mira": "Ashok", "Hugo": "Ravi", "Tomas": "Ravi", "Kwame": "Tariq", "Hana": "Mira", "Kofi": "Hugo", "Priya": "Tomas"}, "titles": {"Diego": "Chief Executive", "Leila": "Vice President", "Aiko": "Director", "Rafael": "Director", "Ashok": "Senior Manager", "Ravi": "Senior Manager", "Tariq": "Manager", "Mira": "Manager", "Hugo": "Manager", "Tomas": "Manager", "Kwame": "Engineer", "Hana": "Engineer", "Kofi": "Engineer", "Priya": "Engineer"}, "requester": "Kwame", "rule": "skip", "min_title": "Senior Manager", "options_q": {"approver": {"ashok": "ashok", "diego": "diego", "tariq": "tariq", "leila": "leila", "aiko": "aiko"}}}, "text_sha256": "87b1870b48738b65f4bb8c771330685c078830e46bbdcbeee75c7abfffa5c579", "state_tokens": 221}}
{"state": "MEMO\nRe: Alert from blob store\n\nPaging rule: an alert pages the owning team's primary on-call; if the primary is on leave that day, it pages the secondary; if the secondary is also on leave, it pages the team's engineering manager. Alerts from the login service are owned by the Search team. This week's Storage primary on-call is Kenji and the secondary is Esme.\n\nThe Search engineering manager is Wen. Alerts from the blob store are owned by the Storage team. Esme is on leave from December 26, 2026 to December 31, 2026 inclusive.\n\nAlerts from the push gateway are owned by the Payments team. The Payments engineering manager is Luca. This week's Payments primary on-call is Beatriz and the secondary is Ashok.\n\nPriya is on leave from December 18, 2026 to December 23, 2026 inclusive. Beatriz is on leave from December 27, 2026 to December 28, 2026 inclusive. This week's Search primary on-call is Priya and the secondary is Lena.\n\nAlerts from the iOS release train are owned by the Storage team. Kenji is on leave from December 22, 2026 to December 30, 2026 inclusive. The Storage engineering manager is Jonas.\n\nOn December 26, 2026, an alert fired from the blob store.", "questions": {"paged": {"type": "choice", "instructions": "Who is the right person to page?", "criteria": {"jonas": null, "beatriz": null, "kenji": null, "esme": null}, "src": "hard_multi_hop", "label": "jonas"}}, "_meta": {"id": "hard-v1/multi_hop/development/00061", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00061", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "oncall", "facts": {"kind": "oncall", "routes": {"blob store": "Storage", "push gateway": "Payments", "login service": "Search", "iOS release train": "Storage"}, "primary": {"Storage": "Kenji", "Payments": "Beatriz", "Search": "Priya"}, "secondary": {"Storage": "Esme", "Payments": "Ashok", "Search": "Lena"}, "manager": {"Storage": "Jonas", "Payments": "Luca", "Search": "Wen"}, "leave": {"Kenji": [["2026-12-22", "2026-12-30"]], "Esme": [["2026-12-26", "2026-12-31"]], "Beatriz": [["2026-12-27", "2026-12-28"]], "Priya": [["2026-12-18", "2026-12-23"]]}, "component": "blob store", "date": "2026-12-26", "options_q": {"paged": {"jonas": "jonas", "beatriz": "beatriz", "kenji": "kenji", "esme": "esme"}}}, "text_sha256": "d4aa607309ab9f98b56e46668a0647edd09e79c763cd5563957a1e6dcdafff5d", "state_tokens": 318}}
{"state": "MEMO\nRe: Return window\n\nReturns are accepted if the return request is made within 14 days of delivery. Wen Nakamura ordered a standing desk on 23 July 2026. The desk was delivered on 2 August 2026.\n\nWen asked to return it on 7 August 2026. The desk is unused and in its original packaging.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "reject_return": "Reject the return as outside the window", "accept_return": "Accept the return"}, "src": "hard_ambiguous", "label": "accept_return"}}, "_meta": {"id": "hard-v1/ambiguous/development/00078", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00078", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "return_window", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "return_window", "insufficient_key": "not_enough_information", "params": {"window": 14, "order": "2026-07-23", "delivered": "2026-08-02", "request": "2026-08-07"}, "deciding_present": true, "options_q": {"decision": {"not_enough_information": "not_enough_information", "reject_return": "reject_return", "accept_return": "accept_return"}}}, "text_sha256": "5b9b8b9cc3f6c34728f1da4691249deb9a12b1da4e164fa5c1f74c2c9572d60a", "state_tokens": 84}}
{"state": "REVIEW REQUEST\nItem: Posts are placed every 4 metres along a straight 96-metre fence, with a post at both ends. How many posts are needed?\nSubmitted result: I think 26 posts", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "25 posts", "b": "26 posts", "c": "24 posts", "d": "384 posts", "e": "27 posts"}, "src": "hard_judge", "label": "a"}}, "_meta": {"id": "hard-v1/judge/development/00010", "source": "hard_judge", "group_id": "hard-v1/judge/development/00010", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "fence", "error": "double_end", "facts": {"kind": "fence", "args": {"length": 96, "gap": 4}, "dp": 0, "proposed": 26, "error": "double_end", "options_q": {"value": {"a": 25, "b": 26, "c": 24, "d": 384, "e": 27}}}, "text_sha256": "82567df9ae821bc6ddfeaa27c8ce519c18264912e8785f99058dcd1921536da8", "state_tokens": 46}}
{"state": "REVIEW REQUEST\nItem: A shop bought 271 units at $49.18 each and later 12 units at $14.56 each. What is the average cost per unit across all units bought, to the nearest cent?\nSubmitted result: I think $31.87", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$6,751.25", "b": "$47.71", "c": "$16.03", "d": "$31.87", "e": "$31.88"}, "src": "hard_judge", "label": "b"}}, "_meta": {"id": "hard-v1/judge/development/00014", "source": "hard_judge", "group_id": "hard-v1/judge/development/00014", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "wavg", "error": "simple_mean", "facts": {"kind": "wavg", "args": {"n1": 271, "p1": "2459/50", "n2": 12, "p2": "364/25"}, "dp": 2, "proposed": 3187, "error": "simple_mean", "options_q": {"value": {"a": 675125, "b": 4771, "c": 1603, "d": 3187, "e": 3188}}}, "text_sha256": "9e8823fbab7c5b29014283610bc928bd166a99102d8f19191085734c148a4b9d", "state_tokens": 66}}
{"state": "MEMO\nRe: Quarterly breakdown\n\nCounts of checkout sessions yesterday by device and outcome: mobile: 388 abandoned cart, 191 completed purchase. desktop: 206 abandoned cart, 200 completed purchase.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, Among desktop records, what share were abandoned cart?", "criteria": {"a": "60.3%", "b": "50.7%", "c": "34.7%", "d": "41.2%", "e": "20.9%"}, "src": "hard_probability", "label": "b"}}, "_meta": {"id": "hard-v1/probability/development/00093", "source": "hard_probability", "group_id": "hard-v1/probability/development/00093", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "table", "facts": {"kind": "table", "p": {}, "counts": {"mobile": {"abandoned cart": 388, "completed purchase": 191}, "desktop": {"abandoned cart": 206, "completed purchase": 200}}, "row": "desktop", "col": "abandoned cart", "ask": "col_given_row", "options_q": {"value": {"a": 603, "b": 507, "c": 347, "d": 412, "e": 209}}}, "text_sha256": "699632df4eced3d5a7f1bb7b93637e9780bc07a8cef6304bda4efc344c4b81a4", "state_tokens": 50}}
{"state": "SPEC SHEET: an office lease for the new Leeds team\nAlbion Court | monthly rent=$4,700 | average commute=33 minutes | capacity=64 desks | one-time setup fee=$7,000 | on-site parking=yes | step-free access=yes\nCanal Wharf | monthly rent=$10,000 | average commute=17 minutes | capacity=68 desks | one-time setup fee=$11,500 | on-site parking=yes | step-free access=yes\nMill Yard | monthly rent=$11,600 | average commute=63 minutes | capacity=57 desks | one-time setup fee=$12,000 | on-site parking=yes | step-free access=no\nWellington Place | monthly rent=$10,500 | average commute=69 minutes | capacity=24 desks | one-time setup fee=$7,000 | on-site parking=yes | step-free access=no\nStation House | monthly rent=$4,100 | average commute=70 minutes | capacity=25 desks | one-time setup fee=$10,500 | on-site parking=yes | step-free access=no\nR1: it must offer step-free access\nR2: its capacity must be at least 64 desks\nSelection: Among the options that meet every requirement, choose the lowest total cost over 5 years: the one-time setup fee plus 5 years of the monthly cost.", "questions": {"choice": {"type": "choice", "instructions": "Which office best satisfies the brief?", "criteria": {"mill_yard": null, "station_house": null, "albion_court": null, "wellington_place": null, "canal_wharf": null}, "src": "hard_tradeoff", "label": "albion_court"}, "meets": {"type": "noul", "instructions": "Does Wellington Place meet every hard requirement?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00075", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00075", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "tco", "context": "office", "none_case": false, "facts": {"rule": "tco", "options": {"Albion Court": {"cost": 4700, "commute": 33, "desks": 64, "parking": true, "access": true, "setup": 7000}, "Canal Wharf": {"cost": 10000, "commute": 17, "desks": 68, "parking": true, "access": true, "setup": 11500}, "Mill Yard": {"cost": 11600, "commute": 63, "desks": 57, "parking": true, "access": false, "setup": 12000}, "Wellington Place": {"cost": 10500, "commute": 69, "desks": 24, "parking": true, "access": false, "setup": 7000}, "Station House": {"cost": 4100, "commute": 70, "desks": 25, "parking": true, "access": false, "setup": 10500}}, "constraints": [{"attr": "access", "op": "is", "value": true}, {"attr": "desks", "op": ">=", "value": 64}], "priority": [], "weights": {}, "years": 5, "check": "Wellington Place", "options_q": {"choice": {"mill_yard": "mill_yard", "station_house": "station_house", "albion_court": "albion_court", "wellington_place": "wellington_place", "canal_wharf": "canal_wharf"}}}, "text_sha256": "1eb4c369d7a3109f978b6a98e5139005e318ff34a4f60ac7627622d09ec8f590", "state_tokens": 312}}
{"state": "STAFF HEALTH REIMBURSEMENT PLAN RULES\nIssued by the Benefits Trust\nIn this policy, \"the Plan\" means the Benefits Trust and \"the Member\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Frames means spectacle frames bought without new lenses.\n(2) Major restorative work means crowns, bridges, root canal treatment and implants.\n(3) Orthodontics means braces and clear aligners.\n(4) Replacement period means 12 months from the date of the Member's last eyewear claim.\n(5) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n\n§ 2  Limits and deductible\n(1) Dental Care: limit $1,000 per treatment; deductible $50 per claim.\n(2) Vision Care: limit $500 per treatment; deductible $40 per claim.\n(3) Therapy Services: limit $1,000 per treatment; deductible $75 per claim.\n(4) Hearing Care: limit $1,000 per treatment; deductible $150 per claim.\n(5) The deductible is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Vision Care\n(1) The Plan will reimburse eye tests and prescription eyewear.\n(2) The most the Plan will pay for Frames under this section is $120 per treatment.\n(3) The Plan will not pay for eyewear without prescription lenses.\n(4) The Plan will not pay for a further eyewear claim within the replacement period.\n\n§ 4  Dental Care\n(1) The Plan will reimburse the cost of dental treatment provided by a licensed dentist.\n(2) No cover applies under this section to any treatment that happens within the first 60 days after the policy start date.\n(3) The most the Plan will pay for Major restorative work under this section is $750 per treatment.\n(4) The most the Plan will pay for Orthodontics under this section is $800 per treatment.\n(5) The Plan will not pay for treatment that is mainly cosmetic, such as whitening or veneers. This exclusion does not apply to treatment needed to repair damage caused by an accident.\n(6) The Plan will not pay for treatment by a provider outside the plan's network. This exclusion does not apply to emergency treatment for sudden severe pain.\n\n§ 5  General exclusions\n(1) The Plan will not pay for loss arising from a government order or sanction that prohibits the Plan from paying.\n(2) The Plan will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(3) The Plan will not pay for loss caused by nuclear radiation or radioactive contamination.\n\n§ 6  Making a claim\n(1) The Member must notify the Plan of a claim within 14 days of the treatment. The Plan will not pay any claim notified after that time.\n(2) The Member must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Plan may appoint a loss adjuster to investigate any claim.\n\n§ 7  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 8  Claims documents\n(1) The Member must provide, at the Member's own expense, original receipts, invoices, reports and any other evidence the Plan reasonably ask for.\n(2) The Plan may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 9  Assignment\n(1) The Member cannot transfer the Member's interest in this policy to anyone else without the Plan's written consent.\n\n§ 10  Sanctions\n(1) The Plan will not provide cover or pay any claim to the extent that doing so would expose the Plan to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 11  Leaving the plan\n(1) Cover ends on the day the Member's employment ends or the day the Member stops being eligible, whichever is earlier.\n(2) Claims for treatment received before cover ended may be submitted up to 90 days afterwards.\n\n§ 12  Instalment agreements\n(1) If the Member pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 13  Recovery of costs\n(1) If the Plan pays a claim that is later found not to be covered, the Plan may ask the Member to repay the amount.\n\n§ 14  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Plan will not pay the claim and all cover under this policy may be cancelled.\n(2) The Plan may share information with fraud prevention agencies and other insurers.\n\n§ 15  Duty of fair presentation\n(1) The Member must answer all questions the Plan asks honestly and to the best of the Member's knowledge.\n(2) If the Member gives incorrect information deliberately or recklessly, the Plan may treat this policy as if it never existed and keep the premium.\n(3) If the Member gives incorrect information carelessly, the Plan may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 16  Compensation scheme\n(1) The Plan is covered by a financial services compensation scheme.\n(2) If the Plan cannot meet the Plan's obligations, the Member may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 17  Reasonable precautions\n(1) The Member must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Member must take reasonable steps to recover lost or stolen property.\n\n§ 18  Eligibility\n(1) Employees who work at least 20 hours a week are eligible to join the plan from their first day of employment.\n(2) Contractors, agency workers and employees on unpaid leave of more than three months are not eligible.\n\n§ 19  Wellness allowance\n(1) Each plan year the Member may claim up to $100 towards a gym membership or fitness class.\n(2) The wellness allowance is not subject to any deductible and does not count towards other limits.\n\n=== CLAIM ===\nClaim summary: Ayla Yilmaz; policy K201853; policy start 16 July 2025; schedule covers Dental Care, Vision Care, Therapy Services; extensions none. Section claimed: Dental Care, for a veneer on a front tooth. Treatment date 6 August 2025; notified 8 August 2025; assessed loss $895.25. Facts: The veneer repaired a front tooth chipped in a cycling accident. The veneer was fitted to improve the appearance of the tooth. The provider issued an itemised invoice. Ayla joined the company's finance team two years ago. Ayla's spouse is also enrolled in the plan.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_out_of_network": "Decline under the out-of-network providers exclusion (§ 4(6))", "pay_less_fee": "Pay the assessed loss less the deductible", "deny_waiting": "Decline: the treatment happened during the waiting period (§ 4(2))", "pay_sublimit": "Pay up to the Major restorative work sublimit (§ 4(3))", "deny_cosmetic": "Decline under the cosmetic treatment exclusion (§ 4(5))"}, "src": "hard_long_policy", "label": "deny_waiting"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$0", "b": "$845.25", "c": "$950", "d": "$895.25", "e": "$1,000"}, "src": "hard_long_policy", "label": "a"}}, "_meta": {"id": "hard-v1/long_policy/development/00028", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00028", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "benefits", "target": "deny_waiting", "category": "dental", "tempting": "cosmetic", "facts": {"domain": "benefits", "fee_order": "before", "notice_days": 14, "categories": {"dental": {"limit": 1000, "fee": 50, "waiting": 60, "purchased": true}, "vision": {"limit": 500, "fee": 40, "waiting": 0, "purchased": true}, "therapy": {"limit": 1000, "fee": 75, "waiting": 0, "purchased": true}, "hearing": {"limit": 1000, "fee": 150, "waiting": 0, "purchased": false}}, "classes": {"major": {"category": "dental", "cap": 750}, "ortho": {"category": "dental", "cap": 800}, "frames": {"category": "vision", "cap": 120}, "massage": {"category": "therapy", "cap": 300}, "accessories": {"category": "hearing", "cap": 150}}, "exclusions": [{"key": "cosmetic", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "out_of_network", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "non_prescription", "categories": ["vision"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "frequency", "categories": ["vision"], "kind": "threshold", "thr": 12, "cmp": "lt", "has_exception": false}, {"key": "work_injury", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unregistered", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "replacement", "categories": ["hearing"], "kind": "threshold", "thr": 36, "cmp": "lt", "has_exception": false}], "case": {"category": "dental", "item": "the veneer", "item_class": null, "loss_cents": 89525, "start": "2025-07-16", "incident": "2025-08-06", "reported": "2025-08-08", "conditions": {"cosmetic": true}, "values": {}, "exceptions": {"cosmetic": true}}, "options_q": {"outcome": {"deny_out_of_network": "deny_out_of_network", "pay_less_fee": "pay_less_fee", "deny_waiting": "deny_waiting", "pay_sublimit": "pay_sublimit", "deny_cosmetic": "deny_cosmetic"}, "amount": {"a": 0, "b": 84525, "c": 95000, "d": 89525, "e": 100000}}}, "text_sha256": "5bd6f9db2ea8c09de0d7c4544de96a5d9e0ec7ef2bbbd5e72d5eb130be5d8f54", "state_tokens": 1565}}
{"state": "SPEC SHEET: an office lease for the new Leeds team\nStation House | monthly rent=$12,900 | average commute=68 minutes | capacity=71 desks | on-site parking=no | step-free access=yes\nAlbion Court | monthly rent=$9,900 | average commute=53 minutes | capacity=36 desks | on-site parking=no | step-free access=no\nCanal Wharf | monthly rent=$6,200 | average commute=33 minutes | capacity=61 desks | on-site parking=yes | step-free access=yes\nWellington Place | monthly rent=$7,900 | average commute=20 minutes | capacity=25 desks | on-site parking=yes | step-free access=yes\nR1: it must offer on-site parking\nR2: its average commute must be at most 26 minutes\nSelection: Among the options that meet every requirement, choose the one with the lowest monthly rent; if two or more are tied on monthly rent, choose the one with the lowest average commute.", "questions": {"choice": {"type": "choice", "instructions": "Which office best satisfies the brief?", "criteria": {"albion_court": null, "station_house": null, "wellington_place": null, "canal_wharf": null}, "src": "hard_tradeoff", "label": "wellington_place"}, "meets": {"type": "noul", "instructions": "Is Station House compliant with all the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00039", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00039", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "office", "none_case": false, "facts": {"rule": "lex", "options": {"Station House": {"cost": 12900, "commute": 68, "desks": 71, "parking": false, "access": true}, "Albion Court": {"cost": 9900, "commute": 53, "desks": 36, "parking": false, "access": false}, "Canal Wharf": {"cost": 6200, "commute": 33, "desks": 61, "parking": true, "access": true}, "Wellington Place": {"cost": 7900, "commute": 20, "desks": 25, "parking": true, "access": true}}, "constraints": [{"attr": "parking", "op": "is", "value": true}, {"attr": "commute", "op": "<=", "value": 26}], "priority": [["cost", "lower"], ["commute", "lower"]], "weights": {}, "years": null, "check": "Station House", "options_q": {"choice": {"albion_court": "albion_court", "station_house": "station_house", "wellington_place": "wellington_place", "canal_wharf": "canal_wharf"}}}, "text_sha256": "4522278dda0592357d9d04c93d11035a5be366e2cba2ce7d10c95f1b5ee7af82", "state_tokens": 222}}
{"state": "MEMO\nRe: Quarterly breakdown\n\nCounts of units inspected last week by shift and result: night shift: 218 defective, 153 passed. day shift: 276 defective, 227 passed.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, Among night shift records, what share were defective?", "criteria": {"a": "24.9%", "b": "56.5%", "c": "58.8%", "d": "42.4%", "e": "44.1%"}, "src": "hard_probability", "label": "c"}}, "_meta": {"id": "hard-v1/probability/development/00058", "source": "hard_probability", "group_id": "hard-v1/probability/development/00058", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "table", "facts": {"kind": "table", "p": {}, "counts": {"night shift": {"defective": 218, "passed": 153}, "day shift": {"defective": 276, "passed": 227}}, "row": "night shift", "col": "defective", "ask": "col_given_row", "options_q": {"value": {"a": 249, "b": 565, "c": 588, "d": 424, "e": 441}}}, "text_sha256": "0df32ead0d674457f803229f785818290588a9393546e0279f35d00d363faf2a", "state_tokens": 49}}
{"state": "MEMO\nRe: Price match\n\nWe match a competitor's lower price for an identical item if the competitor has it in stock at the time of the request, but we never match a price more than 15% below ours. If the competitor's price is not lower, no adjustment is needed. Noah Jensen asked us to match Oakhaven Bank's price for the same blender model. Our price is $864.00; Oakhaven Bank lists it at $768.96.\n\nOakhaven Bank had the blender in stock when Noah asked. Noah is a returning customer.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"match_price": "Match the competitor's price", "no_adjustment": "No adjustment needed", "decline_match": "Decline the price match", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "match_price"}}, "_meta": {"id": "hard-v1/ambiguous/development/00076", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00076", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "price_match", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "price_match", "insufficient_key": "not_enough_information", "params": {"ours_cents": 86400, "theirs_cents": 76896, "max_gap_pct": 15, "in_stock": true}, "deciding_present": true, "options_q": {"decision": {"match_price": "match_price", "no_adjustment": "no_adjustment", "decline_match": "decline_match", "not_enough_information": "not_enough_information"}}}, "text_sha256": "fc9808b562d32abc82c8bba009500c1f60cb14b432e4f4e1306e42aa81a28925", "state_tokens": 124}}
{"state": "MEMO\nRe: Outage: cdn-edge\n\nOutages propagate along hard dependencies: if a service goes down, every service that depends on it, directly or through other hard dependencies, is affected. Soft dependencies do not propagate outages. order-queue depends on payments-gateway. email-relay depends on checkout-web.\n\nsession-cache depends on user-profile (soft dependency: it degrades gracefully and keeps working if user-profile is down). inventory-db depends on billing-api. payments-gateway depends on auth-service.\n\nuser-profile depends on cdn-edge. billing-api depends on user-profile. cdn-edge depends on checkout-web.\n\ncdn-edge is currently down.", "questions": {"affected": {"type": "choice", "instructions": "Which of these will the outage reach?", "criteria": {"none_affected": "None of these services is affected", "inventory_db": null, "email_relay": null, "checkout_web": null, "session_cache": null}, "src": "hard_multi_hop", "label": "inventory_db"}}, "_meta": {"id": "hard-v1/multi_hop/development/00004", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00004", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "deps", "hops": 3, "soft": true, "facts": {"kind": "deps", "edges": [["user-profile", "cdn-edge", false], ["billing-api", "user-profile", false], ["inventory-db", "billing-api", false], ["cdn-edge", "checkout-web", false], ["payments-gateway", "auth-service", false], ["email-relay", "checkout-web", false], ["session-cache", "user-profile", true], ["order-queue", "payments-gateway", false]], "down": "cdn-edge", "candidates": ["inventory-db", "checkout-web", "email-relay", "session-cache"], "options_q": {"affected": {"none_affected": "none_affected", "inventory_db": "inventory_db", "email_relay": "email_relay", "checkout_web": "checkout_web", "session_cache": "session_cache"}}}, "text_sha256": "01c1af9049cde2acc071c7e5597c4100e48491be9fa1d8f054c7955cb7b98883", "state_tokens": 137}}
{"state": "MEMO\nRe: Outage: user-profile\n\nOutages propagate along hard dependencies: if a service goes down, every service that depends on it, directly or through other hard dependencies, is affected. Soft dependencies do not propagate outages. email-relay depends on billing-api. user-profile depends on billing-api.\n\ngeo-lookup depends on order-queue. notification-hub depends on catalog-api. reporting-etl depends on geo-lookup.\n\norder-queue depends on user-profile. ledger-service depends on notification-hub. user-profile is currently down.", "questions": {"affected": {"type": "choice", "instructions": "Which of these will the outage reach?", "criteria": {"none_affected": "None of these services is affected", "reporting_etl": null, "billing_api": null, "email_relay": null, "notification_hub": null}, "src": "hard_multi_hop", "label": "reporting_etl"}}, "_meta": {"id": "hard-v1/multi_hop/development/00018", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00018", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "deps", "hops": 3, "soft": false, "facts": {"kind": "deps", "edges": [["order-queue", "user-profile", false], ["geo-lookup", "order-queue", false], ["reporting-etl", "geo-lookup", false], ["user-profile", "billing-api", false], ["notification-hub", "catalog-api", false], ["email-relay", "billing-api", false], ["ledger-service", "notification-hub", false]], "down": "user-profile", "candidates": ["reporting-etl", "billing-api", "email-relay", "notification-hub"], "options_q": {"affected": {"none_affected": "none_affected", "reporting_etl": "reporting_etl", "billing_api": "billing_api", "email_relay": "email_relay", "notification_hub": "notification_hub"}}}, "text_sha256": "35c38ffb865fec7c6c196f69b31218c50c6efc690b58298bad9c1ed8e8479600", "state_tokens": 114}}
{"state": "REVIEW REQUEST\nItem: An order has 10 notebooks at $73.96 each and 1 desk lamps at $55.54 each. A 10% discount applies to the whole order, and then 10% sales tax is added. What is the final total, to the nearest cent?\nSubmitted result: Answer: $715.63", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$793.30", "b": "$795.14", "c": "$863.65", "d": "$715.63", "e": "$787.19"}, "src": "hard_judge", "label": "e"}}, "_meta": {"id": "hard-v1/judge/development/00062", "source": "hard_judge", "group_id": "hard-v1/judge/development/00062", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "order", "error": "no_tax", "facts": {"kind": "order", "args": {"q1": 10, "p1": "1849/25", "q2": 1, "p2": "2777/50", "d": "1/10", "tax": "1/10"}, "dp": 2, "proposed": 71563, "error": "no_tax", "options_q": {"value": {"a": 79330, "b": 79514, "c": 86365, "d": 71563, "e": 78719}}}, "text_sha256": "75b6b858abb822d3e81a3b5f922e263675a634009ce5ea093d17623ec1ca9ba8", "state_tokens": 82}}
{"state": "REVIEW REQUEST\nItem: Rule: a discount applies if both the order ships to a domestic address and the item is on clearance, or if the customer is a loyalty member. Facts: the order ships to a domestic address; it is not true that the item is on clearance; the customer is a loyalty member. Does the discount apply?\nSubmitted result: Final answer: Yes, the discount applies.", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}}, "_meta": {"id": "hard-v1/judge/development/00066", "source": "hard_judge", "group_id": "hard-v1/judge/development/00066", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "logic", "error": null, "facts": {"kind": "logic", "args": {"atoms": ["domestic", "clearance", "member"], "form": "or_and", "values": {"domestic": true, "clearance": false, "member": true}}, "proposed": true, "error": null}, "text_sha256": "589f1ab42654c286ccad3f7ca908a39e8f4edffa3c68f288dfc7fc8a73908577", "state_tokens": 82}}
{"state": "MEMO\nRe: Overtime\n\nHours beyond 40 in a Monday-to-Sunday week are overtime. No shift may exceed 10 hours. Owen Vance worked 9 hours on Monday. Owen Vance worked 9 hours on Tuesday.\n\nOwen Vance worked 8 hours on Wednesday. Owen Vance worked 6 hours on Thursday. Owen's Friday timesheet has not been submitted.\n\nOwen did not work at the weekend.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "no_overtime": "No overtime is due for this week", "overtime_due": "Overtime is due for this week"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00085", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00084", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "overtime", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": true, "facts": {"scenario": "overtime", "insufficient_key": "not_enough_information", "params": {"hours": [9, 9, 8, 6, null], "max_shift": 10}, "deciding_present": false, "options_q": {"decision": {"not_enough_information": "not_enough_information", "no_overtime": "no_overtime", "overtime_due": "overtime_due"}}}, "text_sha256": "59db04da0ea6c80122c8941cdd9a66f2791fa22907238c0cb2e0fb58d47bb040", "state_tokens": 90}}
{"state": "MEMO\nRe: Alert from iOS release train\n\nPaging rule: an alert pages the owning team's primary on-call; if the primary is on leave that day, it pages the secondary; if the secondary is also on leave, it pages the team's engineering manager. Alerts from the iOS release train are owned by the Checkout team. The Mobile engineering manager is Hugo.\n\nAlerts from the card tokenizer are owned by the Storage team. Alerts from the login service are owned by the Mobile team. Alerts from the event pipeline are owned by the Mobile team.\n\nFarah is on leave from November 4, 2026 to November 7, 2026 inclusive. The Storage engineering manager is Arjun. This week's Mobile primary on-call is Ines and the secondary is Kofi.\n\nThe Checkout engineering manager is Idris. This week's Checkout primary on-call is Farah and the secondary is Viktor. This week's Storage primary on-call is Omar and the secondary is Kwame.\n\nInes is on leave from November 1, 2026 to November 3, 2026 inclusive. Omar is on leave from October 30, 2026 to November 9, 2026 inclusive. On November 3, 2026, an alert fired from the iOS release train.", "questions": {"paged": {"type": "choice", "instructions": "Who is the right person to page?", "criteria": {"farah": null, "idris": null, "omar": null, "viktor": null}, "src": "hard_multi_hop", "label": "farah"}}, "_meta": {"id": "hard-v1/multi_hop/development/00052", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00052", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "oncall", "facts": {"kind": "oncall", "routes": {"login service": "Mobile", "card tokenizer": "Storage", "iOS release train": "Checkout", "event pipeline": "Mobile"}, "primary": {"Mobile": "Ines", "Storage": "Omar", "Checkout": "Farah"}, "secondary": {"Mobile": "Kofi", "Storage": "Kwame", "Checkout": "Viktor"}, "manager": {"Mobile": "Hugo", "Storage": "Arjun", "Checkout": "Idris"}, "leave": {"Farah": [["2026-11-04", "2026-11-07"]], "Ines": [["2026-11-01", "2026-11-03"]], "Omar": [["2026-10-30", "2026-11-09"]]}, "component": "iOS release train", "date": "2026-11-03", "options_q": {"paged": {"farah": "farah", "idris": "idris", "omar": "omar", "viktor": "viktor"}}}, "text_sha256": "9a0d182631a9a07540f8584b164bf82eac98bd617b1e712c7db58dc979d648d7", "state_tokens": 284}}
{"state": "MEMO\nRe: Approval routing\n\nPurchase requests of this size must be approved by the requester's manager's manager (the skip-level manager). Hugo reports to Omar. Dmitri reports to Luca.\n\nLotte reports to Felix. Kenji reports to Dmitri. Fiona reports to Rafael.\n\nAshok reports to Maya. Rafael is a Director. Dmitri is a Vice President.\n\nOmar is a Vice President. Diego is a Manager. Ashok is a Manager.\n\nFelix is a Director. Esme is a Manager. Maya is a Director.\n\nLotte is a Manager. Hugo is a Director. Luca is a Chief Executive.\n\nKenji is a Director. Tariq is an Engineer. Fiona is a Senior Manager.\n\nOmar reports to Luca. Diego reports to Maya. Rafael reports to Omar.\n\nFelix reports to Hugo. Maya reports to Kenji. Tariq reports to Ashok.\n\nEsme reports to Fiona. Esme has submitted a purchase request for $18,750.", "questions": {"approver": {"type": "choice", "instructions": "Which person has to approve the request?", "criteria": {"ashok": null, "luca": null, "omar": null, "fiona": null, "rafael": null}, "src": "hard_multi_hop", "label": "rafael"}}, "_meta": {"id": "hard-v1/multi_hop/development/00042", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00042", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "org", "rule": "skip", "hops": 4, "facts": {"kind": "org", "reports": {"Dmitri": "Luca", "Omar": "Luca", "Kenji": "Dmitri", "Hugo": "Omar", "Rafael": "Omar", "Maya": "Kenji", "Felix": "Hugo", "Fiona": "Rafael", "Ashok": "Maya", "Diego": "Maya", "Lotte": "Felix", "Esme": "Fiona", "Tariq": "Ashok"}, "titles": {"Luca": "Chief Executive", "Dmitri": "Vice President", "Omar": "Vice President", "Kenji": "Director", "Hugo": "Director", "Rafael": "Director", "Maya": "Director", "Felix": "Director", "Fiona": "Senior Manager", "Ashok": "Manager", "Diego": "Manager", "Lotte": "Manager", "Esme": "Manager", "Tariq": "Engineer"}, "requester": "Esme", "rule": "skip", "min_title": "Vice President", "options_q": {"approver": {"ashok": "ashok", "luca": "luca", "omar": "omar", "fiona": "fiona", "rafael": "rafael"}}}, "text_sha256": "154c1024265e152f045e42e5029d3282f344b38d676e2146d1a97e73561bb077", "state_tokens": 212}}
{"state": "MEMO\nRe: Comparing odds\n\nThere is a eighty percent chance that the supplier delivers on time. There is a fifty-five percent chance that the server patch installs without errors; these two are independent. There is a ninety-one percent chance that the audit finds no issues.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which is more likely?", "criteria": {"equally_likely": "They are equally likely", "second_event": "That the audit finds no issues", "first_event": "At least one of these happens: the supplier delivers on time, or the server patch installs without errors"}, "src": "hard_probability", "label": "equally_likely"}}, "_meta": {"id": "hard-v1/probability/development/00069", "source": "hard_probability", "group_id": "hard-v1/probability/development/00069", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "compare", "facts": {"kind": "compare", "p": {}, "a": {"op": "or", "p1": "80/100", "p2": "55/100"}, "b": "91/100", "options_q": {"choice": {"equally_likely": "equally_likely", "second_event": "second_event", "first_event": "first_event"}}}, "text_sha256": "74f4edc363046da8bb05c4ee19dc23786a33fc9127955c0a4ad6dd5b05ece9a9", "state_tokens": 56}}
{"state": "MEMO\nRe: Invoice payment timing\n\nInvoice 50188 was issued on 29 July 2025. Payment reached the account on 9 August 2025. A late fee applies when payment arrives more than 14 days after the invoice date.", "questions": {"days": {"type": "choice", "instructions": "Number of days from invoice to payment:", "criteria": {"a": "9 days", "b": "12 days", "c": "10 days", "d": "11 days", "e": "13 days"}, "src": "hard_temporal_numeric", "label": "d"}, "late": {"type": "noul", "instructions": "Is a late fee due on this invoice?", "src": "hard_temporal_numeric", "label": false}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00007", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00007", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "diff", "facts": {"kind": "diff", "invoice": "2025-07-29", "paid": "2025-08-09", "limit": 14, "options_q": {"days": {"a": 9, "b": 12, "c": 10, "d": 11, "e": 13}}}, "text_sha256": "9d6009b6ae53753f9cdbf6ff2c48844b065fd571393184f4b918c4e03d5b232a", "state_tokens": 61}}
{"state": "MEMO\nRe: Quarterly breakdown\n\nCounts of store visitors last month by type and outcome: new: 289 converted, 292 did not convert. returning: 128 converted, 80 did not convert.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, Among records that were converted, what share came from new?", "criteria": {"a": "69.3%", "b": "49.7%", "c": "73.6%", "d": "52.9%", "e": "36.6%"}, "src": "hard_probability", "label": "a"}}, "_meta": {"id": "hard-v1/probability/development/00039", "source": "hard_probability", "group_id": "hard-v1/probability/development/00039", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "table", "facts": {"kind": "table", "p": {}, "counts": {"new": {"converted": 289, "did not convert": 292}, "returning": {"converted": 128, "did not convert": 80}}, "row": "new", "col": "converted", "ask": "row_given_col", "options_q": {"value": {"a": 693, "b": 497, "c": 736, "d": 529, "e": 366}}}, "text_sha256": "ada03a1e240290c9d0b8c82999824bbb4325c8b4ffe8889dccef2daadc5d9d11", "state_tokens": 50}}
{"state": "MEMO\nRe: Group structure\n\nAn entity controls a company if it holds more than 50% of that company's shares, counting shares it holds directly and shares held by companies it controls. Aldermoor Holdings owns 58% of Kilnworth plc. Garrow Trust owns 74% of Aldermoor Holdings.\n\nCresta Group owns 42% of Kilnworth plc. Ivel Holdings owns 26% of Aldermoor Holdings.", "questions": {"controller": {"type": "choice", "instructions": "Name the ultimate controller of Kilnworth plc.", "criteria": {"ivel_holdings": null, "aldermoor_holdings": null, "no_controller": "No entity controls it", "garrow_trust": null, "cresta_group": null}, "src": "hard_multi_hop", "label": "garrow_trust"}, "interest": {"type": "choice", "instructions": "What is Garrow Trust's effective economic interest in Kilnworth plc (its share of Kilnworth plc's profits through all holdings)?", "criteria": {"a": "42.9%", "b": "74.0%", "c": "85.8%", "d": "58.0%"}, "src": "hard_multi_hop", "label": "a"}}, "_meta": {"id": "hard-v1/multi_hop/development/00016", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00016", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "ownership", "shape": "chain", "facts": {"kind": "ownership", "stakes": {"Aldermoor Holdings": {"Garrow Trust": "74/100", "Ivel Holdings": "26/100"}, "Kilnworth plc": {"Aldermoor Holdings": "58/100", "Cresta Group": "42/100"}}, "candidates": ["Garrow Trust", "Aldermoor Holdings", "Cresta Group", "Ivel Holdings"], "target": "Kilnworth plc", "top": "Garrow Trust", "options_q": {"controller": {"ivel_holdings": "ivel_holdings", "aldermoor_holdings": "aldermoor_holdings", "no_controller": "no_controller", "garrow_trust": "garrow_trust", "cresta_group": "cresta_group"}, "interest": {"a": 429, "b": 740, "c": 858, "d": 580}}}, "text_sha256": "04285865d44618f73c328973224467bf99bf66838c49dadb1d26168bbd31cf20", "state_tokens": 99}}
{"state": "MEMO\nRe: Return window\n\nReturns are accepted if the return request is made within 30 days of delivery. Kenji Whitfield ordered a standing desk on 2025-10-23. The desk was delivered on 2025-11-02.\n\nKenji asked to return it on 2025-11-27. The desk is unused and in its original packaging.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"reject_return": "Reject the return as outside the window", "not_enough_information": "The information given is not enough to decide", "accept_return": "Accept the return"}, "src": "hard_ambiguous", "label": "accept_return"}}, "_meta": {"id": "hard-v1/ambiguous/development/00030", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00030", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "return_window", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "return_window", "insufficient_key": "not_enough_information", "params": {"window": 30, "order": "2025-10-23", "delivered": "2025-11-02", "request": "2025-11-27"}, "deciding_present": true, "options_q": {"decision": {"reject_return": "reject_return", "not_enough_information": "not_enough_information", "accept_return": "accept_return"}}}, "text_sha256": "e0e9579b78b82bee6d8b1f7e4f9bc9bfb63a3586df1e8340684e4c254545f510", "state_tokens": 93}}
{"state": "MEMO\nRe: Complaint response deadline\n\nTidewater Foods must answer every formal complaint within 12 business days of receiving it. Business days are Monday to Friday, excluding the public holidays listed here; the day the complaint is received does not count. Public holidays this year: Founders' Day (Thursday 19 March 2026); Remembrance Day (Friday 27 March 2026); Spring Holiday (Thursday 14 May 2026).\n\nA complaint was received on Thursday 26 March 2026.", "questions": {"due": {"type": "choice", "instructions": "Compute the due date.", "criteria": {"a": "14 April 2026", "b": "15 April 2026", "c": "7 April 2026", "d": "13 April 2026"}, "src": "hard_temporal_numeric", "label": "a"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00053", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00053", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "deadline", "facts": {"kind": "deadline", "received": "2026-03-26", "n": 12, "holidays": ["2026-03-19", "2026-03-27", "2026-05-14"], "options_q": {"due": {"a": "2026-04-14", "b": "2026-04-15", "c": "2026-04-07", "d": "2026-04-13"}}}, "text_sha256": "3a45ecf93884b86d063a73b04093726f4504c70d48b183b94c47c2b76cf64737", "state_tokens": 119}}
{"state": "MEMO\nRe: Quarterly breakdown\n\nCounts of checkout sessions yesterday by device and outcome: mobile: 104 abandoned cart, 378 completed purchase. desktop: 130 abandoned cart, 180 completed purchase.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, Among records that were abandoned cart, what share came from desktop?", "criteria": {"a": "41.9%", "b": "39.1%", "c": "29.5%", "d": "16.4%", "e": "55.6%"}, "src": "hard_probability", "label": "e"}}, "_meta": {"id": "hard-v1/probability/development/00071", "source": "hard_probability", "group_id": "hard-v1/probability/development/00071", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "table", "facts": {"kind": "table", "p": {}, "counts": {"mobile": {"abandoned cart": 104, "completed purchase": 378}, "desktop": {"abandoned cart": 130, "completed purchase": 180}}, "row": "desktop", "col": "abandoned cart", "ask": "row_given_col", "options_q": {"value": {"a": 419, "b": 391, "c": 295, "d": 164, "e": 556}}}, "text_sha256": "4e4794a0b91f53cfe69e8b691aea8b1232bcc02aad9e42aa42369ea5706d33d7", "state_tokens": 50}}
{"state": "SPEC SHEET: an office lease for the new Leeds team\nStation House | monthly rent=$10,000 | average commute=39 minutes | capacity=67 desks | on-site parking=yes | step-free access=yes\nAlbion Court | monthly rent=$5,600 | average commute=38 minutes | capacity=66 desks | on-site parking=yes | step-free access=yes\nWellington Place | monthly rent=$14,700 | average commute=49 minutes | capacity=62 desks | on-site parking=yes | step-free access=yes\nMill Yard | monthly rent=$9,000 | average commute=34 minutes | capacity=78 desks | on-site parking=yes | step-free access=no\nR1: it must offer on-site parking\nR2: its capacity must be at least 67 desks\nSelection: Among the options that meet every requirement, choose the one with the lowest monthly rent; if two or more are tied on monthly rent, choose the one with the lowest average commute.", "questions": {"choice": {"type": "choice", "instructions": "Which office best satisfies the brief?", "criteria": {"mill_yard": null, "wellington_place": null, "albion_court": null, "station_house": null}, "src": "hard_tradeoff", "label": "mill_yard"}, "meets": {"type": "noul", "instructions": "Is Albion Court compliant with all the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00003", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00003", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "office", "none_case": false, "facts": {"rule": "lex", "options": {"Station House": {"cost": 10000, "commute": 39, "desks": 67, "parking": true, "access": true}, "Albion Court": {"cost": 5600, "commute": 38, "desks": 66, "parking": true, "access": true}, "Wellington Place": {"cost": 14700, "commute": 49, "desks": 62, "parking": true, "access": true}, "Mill Yard": {"cost": 9000, "commute": 34, "desks": 78, "parking": true, "access": false}}, "constraints": [{"attr": "parking", "op": "is", "value": true}, {"attr": "desks", "op": ">=", "value": 67}], "priority": [["cost", "lower"], ["commute", "lower"]], "weights": {}, "years": null, "check": "Albion Court", "options_q": {"choice": {"mill_yard": "mill_yard", "wellington_place": "wellington_place", "albion_court": "albion_court", "station_house": "station_house"}}}, "text_sha256": "435d639d0ffe872fe2442cd28cc37a496912850a37023555993c62b01cf485ba", "state_tokens": 220}}
{"state": "MEMO\nRe: Approval routing\n\nPurchase requests of this size must be approved by the requester's manager's manager (the skip-level manager). Sana reports to Rosa. Mira reports to Sana.\n\nZainab reports to Greta. Rosa reports to Emeka. Luca reports to Kenji.\n\nGreta reports to Jonas. Kenji is a Manager. Hugo is a Manager.\n\nViktor is an Engineer. Samir is a Manager. Emeka is a Chief Executive.\n\nJonas is a Senior Manager. Luca is an Engineer. Greta is a Manager.\n\nRosa is a Vice President. Leila is a Director. Mira is a Senior Manager.\n\nZainab is an Engineer. Sana is a Director. Kofi is a Director.\n\nSamir reports to Leila. Jonas reports to Kofi. Hugo reports to Jonas.\n\nViktor reports to Hugo. Kofi reports to Rosa. Kenji reports to Mira.\n\nLeila reports to Sana. Luca has submitted a purchase request for $42,500.", "questions": {"approver": {"type": "choice", "instructions": "Which person has to approve the request?", "criteria": {"sana": null, "emeka": null, "mira": null, "rosa": null, "kenji": null}, "src": "hard_multi_hop", "label": "mira"}}, "_meta": {"id": "hard-v1/multi_hop/development/00098", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00098", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "org", "rule": "skip", "hops": 5, "facts": {"kind": "org", "reports": {"Rosa": "Emeka", "Kofi": "Rosa", "Sana": "Rosa", "Jonas": "Kofi", "Mira": "Sana", "Leila": "Sana", "Hugo": "Jonas", "Greta": "Jonas", "Kenji": "Mira", "Samir": "Leila", "Viktor": "Hugo", "Zainab": "Greta", "Luca": "Kenji"}, "titles": {"Emeka": "Chief Executive", "Rosa": "Vice President", "Kofi": "Director", "Sana": "Director", "Jonas": "Senior Manager", "Mira": "Senior Manager", "Leila": "Director", "Hugo": "Manager", "Greta": "Manager", "Kenji": "Manager", "Samir": "Manager", "Viktor": "Engineer", "Zainab": "Engineer", "Luca": "Engineer"}, "requester": "Luca", "rule": "skip", "min_title": "Director", "options_q": {"approver": {"sana": "sana", "emeka": "emeka", "mira": "mira", "rosa": "rosa", "kenji": "kenji"}}}, "text_sha256": "1f8e06277e5b7c5e9adc6ceedeae2e84a4e2882c472e03e7b7770c6bf8ce0697", "state_tokens": 222}}
{"state": "MEMO\nRe: Comparing odds\n\nThere is a twenty-five percent chance that the audit finds no issues. There is a thirty percent chance that a new customer renews after the trial; these two are independent. There is a fifty percent chance that the supplier delivers on time.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which is more likely?", "criteria": {"second_event": "That the supplier delivers on time", "equally_likely": "They are equally likely", "first_event": "At least one of these happens: the audit finds no issues, or a new customer renews after the trial"}, "src": "hard_probability", "label": "second_event"}}, "_meta": {"id": "hard-v1/probability/development/00091", "source": "hard_probability", "group_id": "hard-v1/probability/development/00091", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "compare", "facts": {"kind": "compare", "p": {}, "a": {"op": "or", "p1": "25/100", "p2": "30/100"}, "b": "1/2", "options_q": {"choice": {"second_event": "second_event", "equally_likely": "equally_likely", "first_event": "first_event"}}}, "text_sha256": "418d91d5fe16d884077138285c160be253dc5ea53ec8ced8fcbefe3a80ef0c26", "state_tokens": 57}}
{"state": "MEMO\nRe: Subscription cancellation\n\nA customer paid $4,800.99 for an annual plan running from 27 March 2026 up to (but not including) 27 March 2027. They cancelled on 23 May 2026. Refund rule: refund the annual price multiplied by the number of unused days and divided by the number of days in the plan year; the cancellation day counts as used. Round to the nearest cent.", "questions": {"refund": {"type": "choice", "instructions": "Refund due:", "criteria": {"a": "$4,027.06", "b": "$762.90", "c": "$4,051.25", "d": "$4,038.09", "e": "$4,000.83"}, "src": "hard_temporal_numeric", "label": "d"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00004", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00004", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "prorata", "leap": false, "facts": {"kind": "prorata", "start": "2026-03-27", "end": "2027-03-27", "cancel": "2026-05-23", "price_cents": 480099, "options_q": {"refund": {"a": 402706, "b": 76290, "c": 405125, "d": 403809, "e": 400083}}}, "text_sha256": "0479f41a40ab6cc045b7ed16b6b2dc2907be0119637198eea6604c4285a07a34", "state_tokens": 105}}
{"state": "MEMO\nRe: Recurring schedule\n\nA backup verification runs every 4 business days (Monday to Friday; there are no holidays in this period). The first verification was on Friday 1 May 2026. Question concerns verification number 4, counting the first as number 1.", "questions": {"date": {"type": "choice", "instructions": "Date of the requested occurrence:", "criteria": {"a": "13 May 2026", "b": "20 May 2026", "c": "18 May 2026", "d": "19 May 2026", "e": "25 May 2026"}, "src": "hard_temporal_numeric", "label": "d"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00047", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00047", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "recurring_business_days", "facts": {"kind": "recurring", "pattern": "business_days", "first": "2026-05-01", "n": 4, "k": 4, "options_q": {"date": {"a": "2026-05-13", "b": "2026-05-20", "c": "2026-05-18", "d": "2026-05-19", "e": "2026-05-25"}}}, "text_sha256": "991ed5b8c058eaa55bb2727323af221fc09e704649d2bbc0206699a9f1b1c62c", "state_tokens": 61}}
{"state": "MEMO\nRe: Overtime\n\nHours beyond 40 in a Monday-to-Sunday week are overtime. No shift may exceed 10 hours. Ines Ueda worked 6 hours on Monday. Ines Ueda worked 7 hours on Tuesday.\n\nInes Ueda worked 6 hours on Wednesday. Ines Ueda worked 5 hours on Thursday. Ines Ueda worked 5 hours on Friday.\n\nInes did not work at the weekend.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"overtime_due": "Overtime is due for this week", "no_overtime": "No overtime is due for this week", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "no_overtime"}}, "_meta": {"id": "hard-v1/ambiguous/development/00058", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00058", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "overtime", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "overtime", "insufficient_key": "not_enough_information", "params": {"hours": [6, 7, 6, 5, 5], "max_shift": 10}, "deciding_present": true, "options_q": {"decision": {"overtime_due": "overtime_due", "no_overtime": "no_overtime", "not_enough_information": "not_enough_information"}}}, "text_sha256": "d0cffddc67160c3798051f38dc6bf9482438d231ee26ac6be54b6b1c4906cbdf", "state_tokens": 98}}
{"state": "HOME CONTENTS INSURANCE POLICY\nIssued by Hearthstone Insurance plc\nIn this policy, \"the Insurer\" means Hearthstone Insurance plc and \"the Policyholder\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Art and antiques means paintings, antiques, rugs and other works of art.\n(2) Bicycles means bicycles and electric scooters.\n(3) Contents means household goods and personal possessions that belong to the Policyholder or the Policyholder's family.\n(4) Forcible entry means entry to the home that leaves visible damage to doors, windows or locks.\n(5) Garden items means garden furniture, plants and outdoor tools.\n(6) High-risk items means jewellery, watches, laptops, games consoles and cameras.\n(7) Home means the private residence at the address shown in the schedule.\n(8) Outbuilding means a shed, garage or greenhouse within the boundaries of the home.\n(9) Policy period means twelve months from the policy start date shown in the Policyholder's schedule.\n(10) Portable electronics means laptops, tablets and mobile phones.\n(11) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(12) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(13) Schedule means the document issued with this policy that shows the Policyholder's details, the covers the Policyholder bought and any extensions.\n(14) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(15) Unoccupied means not lived in by the Policyholder or a member of the Policyholder's family for more than 60 consecutive days.\n\n§ 2  Limits and excess\n(1) Theft: limit $40,000 per incident; excess $100 per claim.\n(2) Escape of Water: limit $15,000 per incident; excess $250 per claim.\n(3) Accidental Damage: limit $3,000 per incident; excess $100 per claim.\n(4) Flood: limit $20,000 per incident; excess $500 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Garden and outdoor cover\n(1) The Insurer will pay for plants, trees and shrubs in the garden of the home that are damaged by fire, lightning or theft.\n(2) The Insurer will not pay for damage caused by frost, storms, drought or animals.\n\n§ 4  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 5  Third-party administrators\n(1) The Insurer may appoint another company to handle claims or other services on the Insurer's behalf.\n(2) Any company the Insurer appoints must follow the terms of this policy and applicable data protection law.\n\n§ 6  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 7  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 8  Subrogation\n(1) The Insurer will be entitled to take over and conduct in the Policyholder's name the defence or settlement of any claim.\n(2) The Insurer can take action in the Policyholder's name to recover any payment the Insurer makes from anyone responsible for the loss.\n\n§ 9  Theft\n(1) The Insurer will pay for contents stolen from the Policyholder's home.\n(2) The most the Insurer will pay for High-risk items under this section is $1,500 per incident.\n(3) The most the Insurer will pay for Bicycles under this section is $500 per incident.\n(4) The Insurer will not pay for theft while the home is unoccupied.\n(5) The Insurer will not pay for theft where there is no sign of forced entry to the home. This exclusion does not apply where the thief gained entry by deception, for example by posing as a utility worker.\n(6) The Insurer will not pay for theft from sheds, garages or other outbuildings. This exclusion does not apply if the outbuilding was locked and the theft involved forcible entry.\n\n§ 10  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 11  Electronic documents\n(1) The Insurer will send documents by email unless the Policyholder asks for paper copies.\n(2) The Policyholder must tell the Insurer if the Policyholder's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 12  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 13  Waiver\n(1) If the Insurer does not enforce any term of this policy, that does not mean the Insurer has given up the right to enforce it later.\n\n§ 14  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 15  Arbitration\n(1) If the Insurer accepts a claim but disagree with the Policyholder about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Insurer.\n\n§ 16  Inflation\n(1) The Insurer may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Policyholder's renewal documents; limits do not change during a policy period.\n\n§ 17  Contents temporarily removed\n(1) The Policyholder's contents are covered while temporarily removed from the home to another building in the same country, for up to 60 days.\n(2) Contents in a student hall of residence are covered only if the student is a member of the Policyholder's family.\n\n§ 18  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 19  Duty of fair presentation\n(1) The Policyholder must answer all questions the Insurer asks honestly and to the best of the Policyholder's knowledge.\n(2) If the Policyholder gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Policyholder gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 20  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Policyholder must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 21  Optional cover: Accidental Damage\n(1) The Insurer will pay for sudden and unexpected accidental damage to the Policyholder's contents inside the home.\n(2) This section applies only if it is shown as purchased in the Policyholder's schedule.\n(3) The most the Insurer will pay for Portable electronics under this section is $750 per incident.\n(4) The Insurer will not pay for damage caused by pets.\n(5) The Insurer will not pay for wear and tear, or damage that happens gradually.\n\n§ 22  Escape of Water\n(1) The Insurer will pay for contents damaged by water escaping from a fixed pipe, tank or domestic appliance.\n(2) The most the Insurer will pay for Art and antiques under this section is $1,000 per incident.\n(3) The Insurer will not pay for damage caused by water leaking gradually over a period of time.\n(4) The Insurer will not pay for damage caused by the failure of grout or sealant around baths and showers.\n\n§ 23  Compensation scheme\n(1) The Insurer is covered by a financial services compensation scheme.\n(2) If the Insurer cannot meet the Insurer's obligations, the Policyholder may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 24  Complaints\n(1) If the Policyholder has a complaint, the Policyholder should first contact the Insurer's customer relations team, quoting the policy number.\n(2) The Insurer will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Policyholder remains dissatisfied, the Policyholder may be able to refer the complaint to an independent ombudsman service.\n\n§ 25  Flood\n(1) The Insurer will pay for contents damaged by flood water entering the Policyholder's home.\n(2) No cover applies under this section to any incident that happens within the first 60 days after the policy start date.\n(3) The most the Insurer will pay for Garden items under this section is $500 per incident.\n(4) The Insurer will not pay for flood damage where a flood warning for the Policyholder's area had been issued before the policy started.\n\n§ 26  Payment of claims\n(1) The Insurer will pay claims by bank transfer to an account in the Policyholder's name.\n(2) The Insurer aims to pay accepted claims within 10 working days of receiving all the documents the Insurer needs.\n\n§ 27  Freezer contents\n(1) The Insurer will pay for food in a domestic freezer that spoils because of a rise or fall in temperature.\n(2) The Insurer will not pay if the freezer is more than fifteen years old, or if the electricity supplier cut the supply deliberately.\n\n§ 28  Cancellation\n(1) The Policyholder can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Policyholder can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $25.\n(3) The Insurer can cancel this policy by giving the Policyholder 30 days' written notice to the last address the Insurer holds.\n\n§ 29  General exclusions\n(1) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(2) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n(3) The Insurer will not pay for any deliberate or criminal act by the Policyholder.\n(4) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n\n§ 30  Renewal\n(1) The Insurer will write to the Policyholder at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 31  Making a claim\n(1) The Policyholder must notify the Insurer of a claim within 14 days of the incident. The Insurer will not pay any claim notified after that time.\n(2) The Insurer may appoint a loss adjuster to investigate any claim.\n(3) The Policyholder must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 32  Records and evidence\n(1) The Policyholder should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 33  Customer support\n(1) The Insurer's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Policyholder can leave a message and the Insurer will call back on the next working day.\n\n§ 34  Environmental commitment\n(1) Where practical, the Insurer will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Policyholder may ask for a new part instead, and the Insurer will tell the Policyholder whether any additional cost would apply.\n\n§ 35  Assignment\n(1) The Policyholder cannot transfer the Policyholder's interest in this policy to anyone else without the Insurer's written consent.\n\n§ 36  Tenant's improvements\n(1) If the Policyholder rents the home, the Insurer will pay for damage to fixtures and fittings that the Policyholder installed and are responsible for.\n(2) This cover applies only to improvements the Policyholder paid for, not to items provided by the landlord.\n\n§ 37  Change of address\n(1) The Policyholder must tell the Insurer within 30 days if the Policyholder changes the Policyholder's address.\n(2) The Insurer may change the premium or the terms from the date of the move.\n\n§ 38  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 39  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 40  Reasonable precautions\n(1) The Policyholder must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Policyholder must take reasonable steps to recover lost or stolen property.\n\n§ 41  Instalment agreements\n(1) If the Policyholder pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 42  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Policyholder should be sent to the address shown in the schedule.\n\n§ 43  Market conditions\n(1) If the replacement item is no longer available, the Insurer will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 44  Automatic renewal\n(1) Unless the Policyholder tells the Insurer otherwise, this policy will renew automatically at the end of the policy period using the payment details the Insurer holds.\n(2) The Policyholder can switch off automatic renewal at any time by contacting the Insurer's helpline.\n\n§ 45  Alternative accommodation\n(1) If the Policyholder's home cannot be lived in after damage covered by this policy, the Insurer will pay the reasonable cost of comparable temporary accommodation.\n(2) The Insurer will also pay for the temporary housing of pets that live with the Policyholder.\n(3) Cover ends when the home is fit to live in again or after twelve months, whichever is sooner.\n\n=== CLAIM ===\nClaim summary: Maya Bauer; policy K603396; policy start 19 November 2025; schedule covers Theft, Escape of Water, Accidental Damage, Flood; extensions none. Section claimed: Theft, for a television. Incident date 16 March 2026; notified 27 March 2026; assessed loss $5,117.50. Facts: The home had been empty for 63 consecutive days when the theft happened. A neighbour reported the incident to the building manager. The building is a converted warehouse with six flats.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_waiting": "Decline: the incident happened during the waiting period (§ 25(2))", "not_covered": "Decline: Theft is not a cover shown in the schedule", "deny_unoccupied": "Decline under the unoccupied home exclusion (§ 9(4))", "deny_late": "Decline: the claim was notified too late (§ 31(1))", "pay_sublimit": "Pay up to the High-risk items sublimit (§ 9(2))"}, "src": "hard_long_policy", "label": "deny_unoccupied"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$39,900", "b": "$5,017.50", "c": "$5,117.50", "d": "$40,000", "e": "$0"}, "src": "hard_long_policy", "label": "e"}}, "_meta": {"id": "hard-v1/long_policy/development/00054", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00054", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "home", "target": "deny_exclusion", "category": "theft", "tempting": null, "facts": {"domain": "home", "fee_order": "before", "notice_days": 14, "categories": {"theft": {"limit": 40000, "fee": 100, "waiting": 0, "purchased": true}, "water": {"limit": 15000, "fee": 250, "waiting": 0, "purchased": true}, "accidental": {"limit": 3000, "fee": 100, "waiting": 0, "purchased": true}, "flood": {"limit": 20000, "fee": 500, "waiting": 60, "purchased": true}}, "classes": {"high_risk": {"category": "theft", "cap": 1500}, "bicycles": {"category": "theft", "cap": 500}, "art": {"category": "water", "cap": 1000}, "portable": {"category": "accidental", "cap": 750}, "garden": {"category": "flood", "cap": 500}}, "exclusions": [{"key": "unoccupied", "categories": ["theft"], "kind": "threshold", "thr": 60, "cmp": "gt", "has_exception": false}, {"key": "no_forced_entry", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "outbuilding", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "gradual", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "sealant", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pets", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear_home", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "flood_warning", "categories": ["flood"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "theft", "item": "the television", "item_class": null, "loss_cents": 511750, "start": "2025-11-19", "incident": "2026-03-16", "reported": "2026-03-27", "conditions": {}, "values": {"unoccupied": 63}, "exceptions": {}}, "options_q": {"outcome": {"deny_waiting": "deny_waiting", "not_covered": "not_covered", "deny_unoccupied": "deny_unoccupied", "deny_late": "deny_late", "pay_sublimit": "pay_sublimit"}, "amount": {"a": 3990000, "b": 501750, "c": 511750, "d": 4000000, "e": 0}}}, "text_sha256": "09bd989f0cd87a1d08af60c99f1dfa1d7164233a10ea2e834204559790dac107", "state_tokens": 3680}}
{"state": "MEMO\nRe: Recurring schedule\n\nThe payroll run happens every other week on the same weekday. The first run of the year was on Sunday 18 January 2026. Question concerns the 3rd run of the year, counting the first run as run 1.", "questions": {"date": {"type": "choice", "instructions": "Date of the requested occurrence:", "criteria": {"a": "1 March 2026", "b": "16 February 2026", "c": "15 February 2026", "d": "1 February 2026"}, "src": "hard_temporal_numeric", "label": "c"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00038", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00038", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "recurring_every_n_weeks", "facts": {"kind": "recurring", "pattern": "every_n_weeks", "first": "2026-01-18", "n": 2, "k": 3, "options_q": {"date": {"a": "2026-03-01", "b": "2026-02-16", "c": "2026-02-15", "d": "2026-02-01"}}}, "text_sha256": "e3a2dc707a8ca9b0f3db61c275d08cbf6d83e4f4d4811c78451341c16891d3f1", "state_tokens": 60}}
{"state": "REVIEW REQUEST\nItem: After a 30% discount, a jacket costs $24.50. What was the price before the discount, to the nearest cent?\nSubmitted result: Answer: $17.15", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$17.15", "b": "$31.85", "c": "$54.50", "d": "$35.00", "e": "$17.16"}, "src": "hard_judge", "label": "d"}}, "_meta": {"id": "hard-v1/judge/development/00092", "source": "hard_judge", "group_id": "hard-v1/judge/development/00092", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "reverse_pct", "error": "subtracted", "facts": {"kind": "reverse_pct", "args": {"after": "49/2", "p": "3/10"}, "dp": 2, "proposed": 1715, "error": "subtracted", "options_q": {"value": {"a": 1715, "b": 3185, "c": 5450, "d": 3500, "e": 1716}}}, "text_sha256": "e37312b09caca29a62709e44a0d8a558943354460c2a54bef4ee5bbb2f2aecea", "state_tokens": 49}}
{"state": "MEMO\nRe: Shift pay check\n\nA warehouse worker clocked in at 06:30 on January 22, 2026 and clocked out at 17:45. They took a 30-minute unpaid break. The hourly rate is $19.25.\n\nPaid time beyond 8 hours in a shift is paid at 1.5 times the hourly rate.", "questions": {"pay": {"type": "choice", "instructions": "Shift pay due:", "criteria": {"a": "$216.56", "b": "$233.41", "c": "$206.94", "d": "$310.41", "e": "$247.84"}, "src": "hard_temporal_numeric", "label": "b"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00028", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00028", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "shift", "overtime": true, "facts": {"kind": "shift", "start": "2026-01-22T06:30", "end": "2026-01-22T17:45", "break_min": 30, "rate_cents": 1925, "ot_after_h": 8, "options_q": {"pay": {"a": 21656, "b": 23341, "c": 20694, "d": 31041, "e": 24784}}}, "text_sha256": "2dcc22d9a4485b7893d55f508afdba4a005dc21735a09d3c98125b57f6faba09", "state_tokens": 88}}
{"state": "MEMO\nRe: Alert precision\n\nA security system raises alerts on login attempts. Historically, one percent of login attempts are malicious. When one of the login attempts is malicious, the system raises an alert on it seventy-five percent of the time.\n\nWhen one of the login attempts is not malicious, the system still raises an alert on it ten percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that one of the login attempts that the system has raised an alert on is actually malicious?", "criteria": {"a": "90.0%", "b": "0.8%", "c": "75.0%", "d": "1.0%", "e": "7.0%"}, "src": "hard_probability", "label": "e"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that one of the login attempts that the system has raised an alert on is malicious?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 0}}, "_meta": {"id": "hard-v1/probability/development/00020", "source": "hard_probability", "group_id": "hard-v1/probability/development/00020", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "bayes", "facts": {"kind": "bayes", "p": {"base": "1/100", "sens": "75/100", "fpr": "10/100"}, "options_q": {"value": {"a": 900, "b": 8, "c": 750, "d": 10, "e": 70}}, "qid2": "bucket"}, "text_sha256": "4e853dc3f26afcc7ef4c4b7205471fa010530614a245323d7777d7ef7f4ba9e9", "state_tokens": 76}}
{"state": "ANNUAL MULTI-TRIP TRAVEL COVER\nIssued by Northstar Underwriting\nIn this policy, \"the Insurer\" means Northstar Underwriting and \"the Insured Person\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(2) Business day means Monday to Friday, excluding public holidays.\n(3) Dental treatment means treatment of the teeth or gums.\n(4) Excursions and tickets means pre-booked excursions, tours, and event or theatre tickets.\n(5) Hazardous activity means skydiving, motor racing, or trekking or climbing above 4,000 metres.\n(6) Incident means a single event, or a series of events arising from one cause.\n(7) Limit means the most the Insurer will pay for all claims under a section arising from one incident.\n(8) Physiotherapy means treatment of muscles and joints by a physiotherapist.\n(9) Policy period means twelve months from the policy start date shown in the Insured Person's schedule.\n(10) Pre-existing condition means any illness or injury for which the Insured Person received treatment or advice in the 3 months before the policy start date.\n(11) Premium means the amount the Insured Person must pay for this policy, including any taxes.\n(12) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(13) Public transport means any scheduled train, bus, coach, ferry or aircraft.\n(14) Qualifying delay means a delay to the scheduled departure of more than 12 hours.\n(15) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(16) Schedule means the document issued with this policy that shows the Insured Person's details, the covers the Insured Person bought and any extensions.\n(17) Sports equipment means skis, snowboards, golf clubs, surfboards and bicycles.\n(18) Territory means the countries in which cover applies, as shown in the schedule.\n(19) Valuables means laptops, tablets, mobile phones, cameras, watches and jewellery.\n\n§ 2  Limits and excess\n(1) Baggage and Personal Belongings: limit $2,000 per incident; excess $50 per claim.\n(2) Emergency Medical Expenses: limit $50,000 per incident; excess $250 per claim.\n(3) Trip Cancellation: limit $2,000 per incident; excess $100 per claim.\n(4) Travel Delay: limit $300 per incident; excess $25 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 4  Third-party administrators\n(1) The Insurer may appoint another company to handle claims or other services on the Insurer's behalf.\n(2) Any company the Insurer appoints must follow the terms of this policy and applicable data protection law.\n\n§ 5  Communication\n(1) The Insurer will communicate with the Insured Person in English.\n(2) The Insurer may record telephone calls for training and quality purposes.\n\n§ 6  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Insurer will pay only the Insurer's proportionate share.\n(2) The Insured Person must tell the Insurer about any other insurance that covers the same loss when the Insured Person makes a claim.\n\n§ 7  Subrogation\n(1) The Insurer will be entitled to take over and conduct in the Insured Person's name the defence or settlement of any claim.\n(2) The Insurer can take action in the Insured Person's name to recover any payment the Insurer makes from anyone responsible for the loss.\n\n§ 8  Duty of fair presentation\n(1) The Insured Person must answer all questions the Insurer asks honestly and to the best of the Insured Person's knowledge.\n(2) If the Insured Person gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Insured Person gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 9  Waiver\n(1) If the Insurer does not enforce any term of this policy, that does not mean the Insurer has given up the right to enforce it later.\n\n§ 10  Interest\n(1) The Insurer will not pay interest on any claim payment unless the law requires it.\n\n§ 11  Renewal\n(1) The Insurer will write to the Insured Person at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 12  Premium payment\n(1) The Insured Person must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 7 days of its due date, the Insurer may cancel the policy after giving notice.\n\n§ 13  Changes in circumstances\n(1) The Insured Person must tell the Insurer as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Insurer may then change the premium or the terms of this policy, or cancel it.\n\n§ 14  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Insured Person should be sent to the address shown in the schedule.\n\n§ 15  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 16  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Insured Person must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 17  Optional cover: Travel Delay\n(1) The Insurer will pay reasonable costs of meals and accommodation if the Insured Person's outbound departure is delayed.\n(2) This section applies only if it is shown as purchased in the Insured Person's schedule.\n(3) The Insurer will not pay for any delay that is not a qualifying delay.\n\n§ 18  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 19  Automatic renewal\n(1) Unless the Insured Person tells the Insurer otherwise, this policy will renew automatically at the end of the policy period using the payment details the Insurer holds.\n(2) The Insured Person can switch off automatic renewal at any time by contacting the Insurer's helpline.\n\n§ 20  Complaints\n(1) If the Insured Person has a complaint, the Insured Person should first contact the Insurer's customer relations team, quoting the policy number.\n(2) The Insurer will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Insured Person remains dissatisfied, the Insured Person may be able to refer the complaint to an independent ombudsman service.\n\n§ 21  Claims documents\n(1) The Insured Person must provide, at the Insured Person's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 22  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Insured Person gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Insured Person's claims history.\n\n§ 23  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 24  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 25  Baggage and Personal Belongings\n(1) The Insurer will pay for the loss of, theft of, or damage to the Insured Person's baggage and personal belongings during the trip.\n(2) The most the Insurer will pay for Valuables under this section is $250 per incident.\n(3) The most the Insurer will pay for Sports equipment under this section is $300 per incident.\n(4) The Insurer will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Insurer will not pay for loss caused by confiscation or detention by customs or other officials.\n(6) The Insurer will not pay for damage caused by wear and tear or gradual deterioration.\n\n§ 26  Records and evidence\n(1) The Insured Person should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 27  Customer support\n(1) The Insurer's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Insured Person can leave a message and the Insurer will call back on the next working day.\n\n§ 28  Arbitration\n(1) If the Insurer accepts a claim but disagree with the Insured Person about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Insurer.\n\n§ 29  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 30  Inflation\n(1) The Insurer may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Insured Person's renewal documents; limits do not change during a policy period.\n\n§ 31  Compensation scheme\n(1) The Insurer is covered by a financial services compensation scheme.\n(2) If the Insurer cannot meet the Insurer's obligations, the Insured Person may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 32  Repatriation\n(1) If the Insurer's medical adviser agrees it is necessary, the Insurer will arrange and pay for the Insured Person to be brought home.\n(2) The Insurer will decide the method of transport and the time of repatriation after speaking to the treating doctor.\n\n§ 33  Assignment\n(1) The Insured Person cannot transfer the Insured Person's interest in this policy to anyone else without the Insurer's written consent.\n\n§ 34  Payment of claims\n(1) The Insurer will pay claims by bank transfer to an account in the Insured Person's name.\n(2) The Insurer aims to pay accepted claims within 10 working days of receiving all the documents the Insurer needs.\n\n§ 35  Environmental commitment\n(1) Where practical, the Insurer will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Insured Person may ask for a new part instead, and the Insurer will tell the Insured Person whether any additional cost would apply.\n\n§ 36  Emergency assistance\n(1) The Insurer's emergency assistance service is available 24 hours a day on the number shown in the schedule.\n(2) The Insured Person must contact the assistance service before being admitted to hospital as an in-patient, unless it is an emergency.\n(3) The assistance service can arrange payment guarantees, interpreters and transport home.\n\n§ 37  Rental car excess\n(1) If the Insured Person hires a car during the trip, the Insurer will reimburse any excess the Insured Person must pay to the hire company after accidental damage to the car.\n(2) This section applies only to cars hired from a licensed rental company under a written agreement.\n\n§ 38  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Insured Person to repay the amount.\n\n§ 39  Market conditions\n(1) If the replacement item is no longer available, the Insurer will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 40  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 41  Instalment agreements\n(1) If the Insured Person pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 42  Personal liability\n(1) The Insurer will pay damages the Insured Person becomes legally liable to pay for accidental injury to another person or accidental damage to their property during the trip.\n(2) This section does not cover liability arising from the use of motor vehicles, boats or aircraft.\n(3) The most the Insurer will pay under this section is $2,000,000 for all claims arising from one event.\n\n§ 43  Reasonable precautions\n(1) The Insured Person must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Insured Person must take reasonable steps to recover lost or stolen property.\n\n§ 44  Legal expenses abroad\n(1) The Insurer will pay legal costs to pursue compensation for the Insured Person's injury or death caused by a third party during the trip.\n(2) The Insurer will not pay legal costs unless the Insurer's legal adviser agrees that the claim has a reasonable prospect of success.\n\n§ 45  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 46  Emergency Medical Expenses\n(1) The Insurer will pay reasonable and necessary emergency medical costs incurred during the trip.\n(2) The most the Insurer will pay for Dental treatment under this section is $400 per incident.\n(3) The most the Insurer will pay for Physiotherapy under this section is $300 per incident.\n(4) The Insurer will not pay for treatment of a pre-existing condition.\n(5) The Insurer will not pay for injury or illness arising from a hazardous activity. This exclusion does not apply if the Adventure Sports extension is shown in the Insured Person's schedule.\n(6) The Insurer will not pay for any claim arising from the Insured Person's being under the influence of alcohol or drugs.\n\n§ 47  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 48  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 49  Trip Cancellation\n(1) The Insurer will pay non-refundable travel and accommodation costs if the Insured Person must cancel the trip for a reason beyond the Insured Person's control.\n(2) No cover applies under this section to any incident that happens within the first 10 days after the policy start date.\n(3) The most the Insurer will pay for Excursions and tickets under this section is $300 per incident.\n(4) The Insurer will not pay for cancellation caused by a strike or other event that had been publicly announced before the Insured Person bought the policy.\n(5) The Insurer will not pay for cancellation because the Insured Person no longer wish to travel.\n\n§ 50  Cancellation\n(1) The Insured Person can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Insured Person can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $30.\n(3) The Insurer can cancel this policy by giving the Insured Person 30 days' written notice to the last address the Insurer holds.\n\n§ 51  General exclusions\n(1) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(2) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n(3) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(4) The Insurer will not pay for any deliberate or criminal act by the Insured Person.\n(5) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n(6) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n\n§ 52  Change of address\n(1) The Insured Person must tell the Insurer within 30 days if the Insured Person changes the Insured Person's address.\n(2) The Insurer may change the premium or the terms from the date of the move.\n\n§ 53  Making a claim\n(1) The Insurer may appoint a loss adjuster to investigate any claim.\n(2) The Insured Person must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Insured Person must notify the Insurer of a claim within 90 days of the incident. The Insurer will not pay any claim notified after that time.\n\n§ 54  Missed departure\n(1) The Insurer will pay reasonable additional travel and accommodation costs to reach the Insured Person's destination if the Insured Person arrives too late to board the Insured Person's booked transport because public transport fails.\n(2) The Insured Person must allow enough time to reach the departure point, and must obtain written confirmation of the delay from the transport operator.\n\n§ 55  Cooperation\n(1) The Insured Person must give the Insurer all the help and information the Insurer reasonably need to settle a claim.\n(2) The Insured Person must not admit liability or offer to settle any claim without the Insurer's written permission.\n\n§ 56  Electronic documents\n(1) The Insurer will send documents by email unless the Insured Person asks for paper copies.\n(2) The Insured Person must tell the Insurer if the Insured Person's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 57  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 58  Data protection\n(1) The Insurer will use the personal information the Insured Person provides to administer this policy and to handle claims.\n(2) The Insurer will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Insured Person can ask for a copy of the personal information the Insurer holds by writing to the Insurer's data protection officer.\n\n§ 59  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n=== CLAIM ===\nClaim summary: Tomas Abara; policy K461200; policy start 3 February 2026; schedule covers Baggage and Personal Belongings, Emergency Medical Expenses, Trip Cancellation; extensions Adventure Sports extension. Section claimed: Emergency Medical Expenses, for emergency treatment for a cracked molar. Incident date 10 September 2026; notified 8 December 2026; assessed loss $1,066. Facts: The schedule shows that the Adventure Sports extension was purchased. The problem began while Tomas was trekking at an altitude of 4,900 metres. Tomas's records show treatment for the same condition 6 months before the policy start date. The return flight was scheduled for the following week. Tomas was travelling with two colleagues. The trip was booked through an online travel agent.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_sublimit": "Pay up to the Dental treatment sublimit (§ 46(2))", "deny_late": "Decline: the claim was notified too late (§ 53(3))", "deny_hazardous": "Decline under the hazardous activities exclusion (§ 46(5))", "not_covered": "Decline: Emergency Medical Expenses is not a cover shown in the schedule", "deny_pre_existing": "Decline under the pre-existing conditions exclusion (§ 46(4))"}, "src": "hard_long_policy", "label": "pay_sublimit"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$1,066", "b": "$400", "c": "$816", "d": "$49,750", "e": "$150"}, "src": "hard_long_policy", "label": "b"}}, "_meta": {"id": "hard-v1/long_policy/development/00059", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00059", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "travel", "target": "pay_sublimit", "category": "medical", "tempting": "hazardous", "facts": {"domain": "travel", "fee_order": "before", "notice_days": 90, "categories": {"baggage": {"limit": 2000, "fee": 50, "waiting": 0, "purchased": true}, "medical": {"limit": 50000, "fee": 250, "waiting": 0, "purchased": true}, "cancellation": {"limit": 2000, "fee": 100, "waiting": 10, "purchased": true}, "delay": {"limit": 300, "fee": 25, "waiting": 0, "purchased": false}}, "classes": {"valuables": {"category": "baggage", "cap": 250}, "sports": {"category": "baggage", "cap": 300}, "dental": {"category": "medical", "cap": 400}, "physio": {"category": "medical", "cap": 300}, "excursions": {"category": "cancellation", "cap": 300}}, "exclusions": [{"key": "unattended", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "confiscation", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pre_existing", "categories": ["medical"], "kind": "threshold", "thr": 3, "cmp": "le", "has_exception": false}, {"key": "hazardous", "categories": ["medical"], "kind": "threshold", "thr": 4000, "cmp": "gt", "has_exception": true}, {"key": "intoxication", "categories": ["medical"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "known_event", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "change_of_mind", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "short_delay", "categories": ["delay"], "kind": "threshold", "thr": 12, "cmp": "le", "has_exception": false}], "case": {"category": "medical", "item": "the molar treatment", "item_class": "dental", "loss_cents": 106600, "start": "2026-02-03", "incident": "2026-09-10", "reported": "2026-12-08", "conditions": {}, "values": {"pre_existing": 6, "hazardous": 4900}, "exceptions": {"hazardous": true}}, "options_q": {"outcome": {"pay_sublimit": "pay_sublimit", "deny_late": "deny_late", "deny_hazardous": "deny_hazardous", "not_covered": "not_covered", "deny_pre_existing": "deny_pre_existing"}, "amount": {"a": 106600, "b": 40000, "c": 81600, "d": 4975000, "e": 15000}}}, "text_sha256": "c2a683be13b8725f65910ac1a2eaa400ccf83e18fa5bcc0a88e8edc37d6681f5", "state_tokens": 4855}}
{"state": "MEMO\nRe: Complaint response deadline\n\nCinder Security must answer every formal complaint within 15 business days of receiving it. Business days are Monday to Friday, excluding the public holidays listed here; the day the complaint is received does not count. Public holidays this year: Founders' Day (Monday 28 December 2026); Remembrance Day (Thursday 21 January 2027); Midsummer Holiday (Saturday 6 February 2027).\n\nA complaint was received on Friday 8 January 2027.", "questions": {"due": {"type": "choice", "instructions": "Compute the due date.", "criteria": {"a": "1 February 2027", "b": "23 January 2027", "c": "30 January 2027", "d": "2 February 2027", "e": "29 January 2027"}, "src": "hard_temporal_numeric", "label": "a"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00002", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00002", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "deadline", "facts": {"kind": "deadline", "received": "2027-01-08", "n": 15, "holidays": ["2026-12-28", "2027-01-21", "2027-02-06"], "options_q": {"due": {"a": "2027-02-01", "b": "2027-01-23", "c": "2027-01-30", "d": "2027-02-02", "e": "2027-01-29"}}}, "text_sha256": "44b903c74eddc400874e9c88b3993eaa5bedd778ea2e1a1e7fb377c0b49eacd0", "state_tokens": 117}}
{"state": "MEMO\nRe: Warranty\n\nThe warranty covers manufacturing defects for 36 months from the purchase date. Accidental damage is never covered. Samir Okafor bought a coffee machine on 2025-04-18. Samir made a warranty claim on 2028-06-15.\n\nThe technician found a faulty heating element from the factory. Samir registered the machine online.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"repair_under_warranty": "Repair under warranty", "not_covered": "Not covered by the warranty", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "not_covered"}}, "_meta": {"id": "hard-v1/ambiguous/development/00010", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00010", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "warranty", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "warranty", "insufficient_key": "not_enough_information", "params": {"months": 36, "purchase": "2025-04-18", "claim": "2028-06-15", "cause": "defect"}, "deciding_present": true, "options_q": {"decision": {"repair_under_warranty": "repair_under_warranty", "not_covered": "not_covered", "not_enough_information": "not_enough_information"}}}, "text_sha256": "226520ebb2e13b74793d6b1b1081b84af4e6788642cd70981c3c596c3bd849de", "state_tokens": 89}}
{"state": "MEMO\nRe: Approval routing\n\nPurchase requests of this size must be approved by the nearest person above the requester in the reporting line whose title is Vice President or more senior. Seniority, from junior to senior: Analyst, Engineer, Manager, Senior Manager, Director, Vice President, Chief Executive. Amara reports to Rosa. Beatriz reports to Omar.\n\nOwen reports to Amara. Aiko reports to Owen. Ines reports to Arjun.\n\nOmar reports to Elin. Luca is a Manager. Lotte is a Director.\n\nOmar is a Director. Elin is a Vice President. Owen is a Director.\n\nLena is a Director. Arjun is a Senior Manager. Beatriz is a Senior Manager.\n\nAmara is a Vice President. Ines is a Manager. Esme is a Manager.\n\nAiko is a Senior Manager. Rosa is a Chief Executive. Tomas is a Director.\n\nArjun reports to Tomas. Lotte reports to Owen. Lena reports to Omar.\n\nTomas reports to Elin. Esme reports to Arjun. Luca reports to Beatriz.\n\nElin reports to Rosa. Lena has submitted a purchase request for $20,000.", "questions": {"approver": {"type": "choice", "instructions": "Which person has to approve the request?", "criteria": {"amara": null, "omar": null, "elin": null, "owen": null, "rosa": null}, "src": "hard_multi_hop", "label": "elin"}}, "_meta": {"id": "hard-v1/multi_hop/development/00082", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00082", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "org", "rule": "title", "hops": 3, "facts": {"kind": "org", "reports": {"Elin": "Rosa", "Amara": "Rosa", "Tomas": "Elin", "Omar": "Elin", "Owen": "Amara", "Arjun": "Tomas", "Beatriz": "Omar", "Lena": "Omar", "Aiko": "Owen", "Lotte": "Owen", "Ines": "Arjun", "Esme": "Arjun", "Luca": "Beatriz"}, "titles": {"Rosa": "Chief Executive", "Elin": "Vice President", "Amara": "Vice President", "Tomas": "Director", "Omar": "Director", "Owen": "Director", "Arjun": "Senior Manager", "Beatriz": "Senior Manager", "Lena": "Director", "Aiko": "Senior Manager", "Lotte": "Director", "Ines": "Manager", "Esme": "Manager", "Luca": "Manager"}, "requester": "Lena", "rule": "title", "min_title": "Vice President", "options_q": {"approver": {"amara": "amara", "omar": "omar", "elin": "elin", "owen": "owen", "rosa": "rosa"}}}, "text_sha256": "d70937625b6cf741cce22bdb2b5a6513522d5db2de3ff0b896fc835cd5104be5", "state_tokens": 253}}
{"state": "MEMO\nRe: Meeting across time zones\n\nA call is scheduled for Sunday, September 6, 6:45 AM Mumbai time. On that date Mumbai is on UTC+5:30 and Tokyo is on UTC+9. One attendee is in Tokyo.", "questions": {"local": {"type": "choice", "instructions": "Local start time in Tokyo:", "criteria": {"a": "Monday, September 7, 10:15 AM", "b": "Sunday, September 6, 9:15 AM", "c": "Sunday, September 6, 11:15 AM", "d": "Sunday, September 6, 10:15 AM", "e": "Sunday, September 6, 3:15 AM"}, "src": "hard_temporal_numeric", "label": "d"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00088", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00088", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "tz", "facts": {"kind": "tz", "start": "2026-09-06T06:45", "off_a": 5.5, "off_b": 9, "options_q": {"local": {"a": "2026-09-07T10:15", "b": "2026-09-06T09:15", "c": "2026-09-06T11:15", "d": "2026-09-06T10:15", "e": "2026-09-06T03:15"}}}, "text_sha256": "8ae6b07d748bdad9b6cae79a7c8dacf490c713bd597ce8d76d28aff5a46288f3", "state_tokens": 56}}
{"state": "SPEC SHEET: a managed database service for the orders system\nGranite DB | monthly cost=$1,000 | write latency=2 ms | recovery point objective=18 minutes | point-in-time recovery=no | multi-region replicas=yes\nPolar Store | monthly cost=$1,200 | write latency=28 ms | recovery point objective=21 minutes | point-in-time recovery=yes | multi-region replicas=yes\nTideDB | monthly cost=$1,550 | write latency=8 ms | recovery point objective=51 minutes | point-in-time recovery=yes | multi-region replicas=yes\nWren Cloud SQL | monthly cost=$2,850 | write latency=16 ms | recovery point objective=17 minutes | point-in-time recovery=yes | multi-region replicas=no\nLumen Data | monthly cost=$1,500 | write latency=9 ms | recovery point objective=3 minutes | point-in-time recovery=yes | multi-region replicas=yes\nR1: its recovery point objective must be at most 17 minutes\nSelection: Among the options that meet every requirement, choose the one with the lowest write latency; if two or more are tied on write latency, choose the one with the lowest monthly cost.", "questions": {"choice": {"type": "choice", "instructions": "Which service best satisfies the brief?", "criteria": {"polar_store": null, "lumen_data": null, "granite_db": null, "wren_cloud_sql": null, "tidedb": null, "none_qualifies": "No option qualifies"}, "src": "hard_tradeoff", "label": "lumen_data"}, "meets": {"type": "noul", "instructions": "Does Wren Cloud SQL meet every hard requirement?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00012", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00012", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "service", "none_case": false, "facts": {"rule": "lex", "options": {"Granite DB": {"cost": 1000, "latency": 2, "rpo": 18, "pitr": false, "multiregion": true}, "Polar Store": {"cost": 1200, "latency": 28, "rpo": 21, "pitr": true, "multiregion": true}, "TideDB": {"cost": 1550, "latency": 8, "rpo": 51, "pitr": true, "multiregion": true}, "Wren Cloud SQL": {"cost": 2850, "latency": 16, "rpo": 17, "pitr": true, "multiregion": false}, "Lumen Data": {"cost": 1500, "latency": 9, "rpo": 3, "pitr": true, "multiregion": true}}, "constraints": [{"attr": "rpo", "op": "<=", "value": 17}], "priority": [["latency", "lower"], ["cost", "lower"]], "weights": {}, "years": null, "check": "Wren Cloud SQL", "options_q": {"choice": {"polar_store": "polar_store", "lumen_data": "lumen_data", "granite_db": "granite_db", "wren_cloud_sql": "wren_cloud_sql", "tidedb": "tidedb", "none_qualifies": "none_qualifies"}}}, "text_sha256": "e9498a8440181dc364df384b537a0021f5b5b029fdd8c90747ebc3631a3222bc", "state_tokens": 259}}
{"state": "MEMO\nRe: Approval\n\nPurchases under $250 need no approval. Purchases from $250 up to $5,000 must be approved by a Manager or more senior; purchases above $5,000 must be approved by a Director or more senior. Seniority: Analyst, Engineer, Manager, Senior Manager, Director, Vice President, Chief Executive. Mira Sato submitted a purchase of $12,357 for conference travel. The purchase was approved by Dmitri Bauer.\n\nDmitri Bauer's job title is not listed in the directory. Ines Lindqvist, who leads the travel desk, is a Vice President.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"approval_valid": "The purchase is properly approved", "approval_invalid": "The approval is not valid under the rule", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00067", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00066", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "approval", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": true, "facts": {"scenario": "approval", "insufficient_key": "not_enough_information", "params": {"amount": 12357, "no_approval_below": 250, "director_above": 5000, "title": null}, "deciding_present": false, "options_q": {"decision": {"approval_valid": "approval_valid", "approval_invalid": "approval_invalid", "not_enough_information": "not_enough_information"}}}, "text_sha256": "5642fddc97821d447dcf35c54eb8f7fedab872cacc8c6d6943bb560dbbe08a56", "state_tokens": 140}}
{"state": "MEMO\nRe: Warranty\n\nThe warranty covers manufacturing defects for 12 months from the purchase date. Accidental damage is never covered. Farah Keller bought a coffee machine on 17 October 2025. Farah made a warranty claim on 2 July 2027.\n\nFarah registered the machine online.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_covered": "Not covered by the warranty", "repair_under_warranty": "Repair under warranty", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "not_covered"}}, "_meta": {"id": "hard-v1/ambiguous/development/00037", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00036", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "warranty", "twin": "absent", "absent_kind": "nondeciding", "explicit_unknown": false, "facts": {"scenario": "warranty", "insufficient_key": "not_enough_information", "params": {"months": 12, "purchase": "2025-10-17", "claim": "2027-07-02", "cause": null}, "deciding_present": false, "options_q": {"decision": {"not_covered": "not_covered", "repair_under_warranty": "repair_under_warranty", "not_enough_information": "not_enough_information"}}}, "text_sha256": "030ae72990590a6191211b3c3bafbb40f6b0aafea10c12ab585bbb06551c4c02", "state_tokens": 71}}
{"state": "SPEC SHEET: a payment processor for the online store\nLedgerly | fee per transaction=2.95% | payout delay=3 days | uptime commitment=99.74% | security score=4/10 | vendor stability score=3/10 | ease of integration score=3/10 | multi-currency settlement=yes | a chargeback protection service=yes\nTillpoint | fee per transaction=2.80% | payout delay=4 days | uptime commitment=99.92% | security score=8/10 | vendor stability score=5/10 | ease of integration score=7/10 | multi-currency settlement=yes | a chargeback protection service=no\nQuickcheck | fee per transaction=2.10% | payout delay=4 days | uptime commitment=99.74% | security score=4/10 | vendor stability score=10/10 | ease of integration score=7/10 | multi-currency settlement=no | a chargeback protection service=no\nPaylane | fee per transaction=2.20% | payout delay=2 days | uptime commitment=99.50% | security score=4/10 | vendor stability score=8/10 | ease of integration score=10/10 | multi-currency settlement=yes | a chargeback protection service=no\nCoinbridge | fee per transaction=3.35% | payout delay=3 days | uptime commitment=99.54% | security score=4/10 | vendor stability score=10/10 | ease of integration score=8/10 | multi-currency settlement=yes | a chargeback protection service=no\nR1: it must offer multi-currency settlement\nR2: its payout delay must be at most 3 days\nSelection: Each option has been scored from 1 to 10 on security, vendor stability and ease of integration (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 50% security, 30% vendor stability, 20% ease of integration.", "questions": {"choice": {"type": "choice", "instructions": "Which processor best satisfies the brief?", "criteria": {"quickcheck": null, "coinbridge": null, "paylane": null, "tillpoint": null, "ledgerly": null}, "src": "hard_tradeoff", "label": "coinbridge"}, "meets": {"type": "noul", "instructions": "Does Ledgerly pass the hard requirements?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00020", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00020", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "processor", "none_case": false, "facts": {"rule": "weighted", "options": {"Ledgerly": {"cost": 295, "payout": 3, "uptime": 9974, "multicurrency": true, "disputes": true, "security": 4, "vendor stability": 3, "ease of integration": 3}, "Tillpoint": {"cost": 280, "payout": 4, "uptime": 9992, "multicurrency": true, "disputes": false, "security": 8, "vendor stability": 5, "ease of integration": 7}, "Quickcheck": {"cost": 210, "payout": 4, "uptime": 9974, "multicurrency": false, "disputes": false, "security": 4, "vendor stability": 10, "ease of integration": 7}, "Paylane": {"cost": 220, "payout": 2, "uptime": 9950, "multicurrency": true, "disputes": false, "security": 4, "vendor stability": 8, "ease of integration": 10}, "Coinbridge": {"cost": 335, "payout": 3, "uptime": 9954, "multicurrency": true, "disputes": false, "security": 4, "vendor stability": 10, "ease of integration": 8}}, "constraints": [{"attr": "multicurrency", "op": "is", "value": true}, {"attr": "payout", "op": "<=", "value": 3}], "priority": [], "weights": {"security": 50, "vendor stability": 30, "ease of integration": 20}, "years": null, "check": "Ledgerly", "options_q": {"choice": {"quickcheck": "quickcheck", "coinbridge": "coinbridge", "paylane": "paylane", "tillpoint": "tillpoint", "ledgerly": "ledgerly"}}}, "text_sha256": "fc7ad4ae5b6a61a01018100bbea846ca889d60fc4cd820aaa5c15805306a2ab8", "state_tokens": 452}}
{"state": "SPEC SHEET: a freight carrier for the Rotterdam to Milan lane\nVireo Transport | price per shipment=$2,250 | transit time=9 days | damage rate=2.60% | temperature-controlled trailers=yes | live GPS tracking=no\nKestrel Haulage | price per shipment=$1,550 | transit time=8 days | damage rate=1.55% | temperature-controlled trailers=no | live GPS tracking=yes\nMeridian Cargo | price per shipment=$1,875 | transit time=12 days | damage rate=0.90% | temperature-controlled trailers=yes | live GPS tracking=no\nR1: it must offer live GPS tracking\nR2: its price per shipment must be at most $2,050\nSelection: Among the options that meet every requirement, choose the one with the lowest damage rate; if two or more are tied on damage rate, choose the one with the lowest price per shipment.", "questions": {"choice": {"type": "choice", "instructions": "Which carrier best satisfies the brief?", "criteria": {"none_qualifies": "No option qualifies", "vireo_transport": null, "kestrel_haulage": null, "meridian_cargo": null}, "src": "hard_tradeoff", "label": "kestrel_haulage"}, "meets": {"type": "noul", "instructions": "Does Kestrel Haulage meet every hard requirement?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00074", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00074", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "carrier", "none_case": false, "facts": {"rule": "lex", "options": {"Vireo Transport": {"cost": 2250, "transit": 9, "damage": 260, "reefer": true, "tracking": false}, "Kestrel Haulage": {"cost": 1550, "transit": 8, "damage": 155, "reefer": false, "tracking": true}, "Meridian Cargo": {"cost": 1875, "transit": 12, "damage": 90, "reefer": true, "tracking": false}}, "constraints": [{"attr": "tracking", "op": "is", "value": true}, {"attr": "cost", "op": "<=", "value": 2050}], "priority": [["damage", "lower"], ["cost", "lower"]], "weights": {}, "years": null, "check": "Kestrel Haulage", "options_q": {"choice": {"none_qualifies": "none_qualifies", "vireo_transport": "vireo_transport", "kestrel_haulage": "kestrel_haulage", "meridian_cargo": "meridian_cargo"}}}, "text_sha256": "4adfff47b1aa68b9a12813d5a71a44c189d97a8cc8e2f4c30481a76b71181cc1", "state_tokens": 203}}
{"state": "MEMO\nRe: Warranty\n\nThe warranty covers manufacturing defects for 24 months from the purchase date. Accidental damage is never covered. Tomas Pajari bought a coffee machine on June 12, 2025. Tomas made a warranty claim on November 28, 2027.\n\nThe technician found a faulty heating element from the factory. Tomas registered the machine online.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"repair_under_warranty": "Repair under warranty", "not_covered": "Not covered by the warranty", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "not_covered"}}, "_meta": {"id": "hard-v1/ambiguous/development/00044", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00044", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "warranty", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "warranty", "insufficient_key": "not_enough_information", "params": {"months": 24, "purchase": "2025-06-12", "claim": "2027-11-28", "cause": "defect"}, "deciding_present": true, "options_q": {"decision": {"repair_under_warranty": "repair_under_warranty", "not_covered": "not_covered", "not_enough_information": "not_enough_information"}}}, "text_sha256": "9c5917f8f9c52d8f1ba20a15e46c4f6680bfe40ffbed288b08798e290a025ca9", "state_tokens": 83}}
{"state": "MEMO\nRe: Return window\n\nReturns are accepted if the return request is made within 30 days of delivery. Ayla Fischer ordered a standing desk on 2026-07-10. The desk was delivered on 2026-07-17.\n\nAyla asked to return it on 2026-08-22. The desk is unused and in its original packaging.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "accept_return": "Accept the return", "reject_return": "Reject the return as outside the window"}, "src": "hard_ambiguous", "label": "reject_return"}}, "_meta": {"id": "hard-v1/ambiguous/development/00006", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00006", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "return_window", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "return_window", "insufficient_key": "not_enough_information", "params": {"window": 30, "order": "2026-07-10", "delivered": "2026-07-17", "request": "2026-08-22"}, "deciding_present": true, "options_q": {"decision": {"not_enough_information": "not_enough_information", "accept_return": "accept_return", "reject_return": "reject_return"}}}, "text_sha256": "16788d1bcb06e541c799a01adf7265032dd5de18a49ea1998fe75d24addda275", "state_tokens": 92}}
{"state": "MEMO\nRe: Quarterly breakdown\n\nCounts of checkout sessions yesterday by device and outcome: mobile: 158 abandoned cart, 88 completed purchase. desktop: 318 abandoned cart, 296 completed purchase.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, Among records that were abandoned cart, what share came from mobile?", "criteria": {"a": "33.2%", "b": "64.2%", "c": "55.3%", "d": "18.4%", "e": "28.6%"}, "src": "hard_probability", "label": "a"}}, "_meta": {"id": "hard-v1/probability/development/00065", "source": "hard_probability", "group_id": "hard-v1/probability/development/00065", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "table", "facts": {"kind": "table", "p": {}, "counts": {"mobile": {"abandoned cart": 158, "completed purchase": 88}, "desktop": {"abandoned cart": 318, "completed purchase": 296}}, "row": "mobile", "col": "abandoned cart", "ask": "row_given_col", "options_q": {"value": {"a": 332, "b": 642, "c": 553, "d": 184, "e": 286}}}, "text_sha256": "e7cab957cf6187d28ff7b530849eee00168d2618a0a24096adcd8f332bdc71fd", "state_tokens": 49}}
{"state": "MEMO\nRe: Warranty\n\nThe warranty covers manufacturing defects for 24 months from the purchase date. Accidental damage is never covered. Elin Iyer bought a coffee machine on 29 August 2025. Elin made a warranty claim on 20 February 2028.\n\nThe technician's report on the cause has not come back yet. Elin registered the machine online.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "not_covered": "Not covered by the warranty", "repair_under_warranty": "Repair under warranty"}, "src": "hard_ambiguous", "label": "not_covered"}}, "_meta": {"id": "hard-v1/ambiguous/development/00019", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00018", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "warranty", "twin": "absent", "absent_kind": "nondeciding", "explicit_unknown": true, "facts": {"scenario": "warranty", "insufficient_key": "not_enough_information", "params": {"months": 24, "purchase": "2025-08-29", "claim": "2028-02-20", "cause": null}, "deciding_present": false, "options_q": {"decision": {"not_enough_information": "not_enough_information", "not_covered": "not_covered", "repair_under_warranty": "repair_under_warranty"}}}, "text_sha256": "e5fd5adb927f4c658f4b492d239fa18a5a23a28b37935207bf70775b20ea8a75", "state_tokens": 86}}
{"state": "REVIEW REQUEST\nItem: A shop bought 199 units at $11.04 each and later 107 units at $48.13 each. What is the average cost per unit across all units bought, to the nearest cent?\nSubmitted result: Pretty sure it's $24.01", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$24.02", "b": "$29.59", "c": "$35.16", "d": "$3,673.44", "e": "$24.01"}, "src": "hard_judge", "label": "e"}}, "_meta": {"id": "hard-v1/judge/development/00031", "source": "hard_judge", "group_id": "hard-v1/judge/development/00031", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "wavg", "error": null, "facts": {"kind": "wavg", "args": {"n1": 199, "p1": "276/25", "n2": 107, "p2": "4813/100"}, "dp": 2, "proposed": 2401, "error": null, "options_q": {"value": {"a": 2402, "b": 2959, "c": 3516, "d": 367344, "e": 2401}}}, "text_sha256": "1e0cd61af871b444def76dc32b8d198c9691800922efbad0d6315ce17b6695ee", "state_tokens": 69}}
{"state": "REVIEW REQUEST\nItem: Rule: a discount applies if the order total is over $100 but not if the item is on clearance. Facts: the order total is over $100; it is not true that the item is on clearance; the order ships to a domestic address. Does the discount apply?\nSubmitted result: Pretty sure it's Yes, the discount applies.", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}}, "_meta": {"id": "hard-v1/judge/development/00015", "source": "hard_judge", "group_id": "hard-v1/judge/development/00015", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "logic", "error": null, "facts": {"kind": "logic", "args": {"atoms": ["over", "clearance", "domestic"], "form": "and_not", "values": {"over": true, "clearance": false, "domestic": true}}, "proposed": true, "error": null}, "text_sha256": "3c0c37fadb04e8c1cdf8a7e08b786a065ea12f853c1e2ff014e5f989728e9d4b", "state_tokens": 80}}
{"state": "SPEC SHEET: a CI/CD provider for the platform team\nForge Runner | monthly cost=$1,775 | median build time=5 minutes | parallel jobs=52 jobs | self-hosted runners=yes | SSO login=yes\nBuildkite Lite | monthly cost=$375 | median build time=21 minutes | parallel jobs=20 jobs | self-hosted runners=yes | SSO login=yes\nLoop Deploy | monthly cost=$1,725 | median build time=10 minutes | parallel jobs=22 jobs | self-hosted runners=yes | SSO login=yes\nR1: its parallel jobs must be at least 52 jobs\nR2: it must offer SSO login\nSelection: Among the options that meet every requirement, choose the one with the lowest monthly cost; if two or more are tied on monthly cost, choose the one with the highest parallel jobs.", "questions": {"choice": {"type": "choice", "instructions": "Which provider best satisfies the brief?", "criteria": {"loop_deploy": null, "none_qualifies": "No option qualifies", "buildkite_lite": null, "forge_runner": null}, "src": "hard_tradeoff", "label": "forge_runner"}, "meets": {"type": "noul", "instructions": "Is Forge Runner compliant with all the hard requirements?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00006", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00006", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "provider", "none_case": false, "facts": {"rule": "lex", "options": {"Forge Runner": {"cost": 1775, "build": 5, "concurrency": 52, "selfhosted": true, "sso": true}, "Buildkite Lite": {"cost": 375, "build": 21, "concurrency": 20, "selfhosted": true, "sso": true}, "Loop Deploy": {"cost": 1725, "build": 10, "concurrency": 22, "selfhosted": true, "sso": true}}, "constraints": [{"attr": "concurrency", "op": ">=", "value": 52}, {"attr": "sso", "op": "is", "value": true}], "priority": [["cost", "lower"], ["concurrency", "higher"]], "weights": {}, "years": null, "check": "Forge Runner", "options_q": {"choice": {"loop_deploy": "loop_deploy", "none_qualifies": "none_qualifies", "buildkite_lite": "buildkite_lite", "forge_runner": "forge_runner"}}}, "text_sha256": "d20fe5b20d14b25958fa9988a2a7eed5eb0779f8053ef83d5d2ceaba65916ef0", "state_tokens": 189}}
{"state": "MEMO\nRe: Overtime\n\nHours beyond 40 in a Monday-to-Sunday week are overtime. No shift may exceed 12 hours. Arjun Castillo worked 12 hours on Monday. Arjun Castillo worked 10 hours on Tuesday.\n\nArjun Castillo worked 10 hours on Wednesday. Arjun Castillo worked 11 hours on Thursday. Arjun Castillo worked 5 hours on Friday.\n\nArjun did not work at the weekend.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"overtime_due": "Overtime is due for this week", "not_enough_information": "The information given is not enough to decide", "no_overtime": "No overtime is due for this week"}, "src": "hard_ambiguous", "label": "overtime_due"}}, "_meta": {"id": "hard-v1/ambiguous/development/00094", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00094", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "overtime", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "overtime", "insufficient_key": "not_enough_information", "params": {"hours": [12, 10, 10, 11, 5], "max_shift": 12}, "deciding_present": true, "options_q": {"decision": {"overtime_due": "overtime_due", "not_enough_information": "not_enough_information", "no_overtime": "no_overtime"}}}, "text_sha256": "072182e1dfd9bc338cbb21d1bf5651009c519e1009a84618a85856bc6054a6ce", "state_tokens": 97}}
{"state": "MEMO\nRe: Approval\n\nPurchases under $250 need no approval. Purchases from $250 up to $5,000 must be approved by a Manager or more senior; purchases above $5,000 must be approved by a Director or more senior. Seniority: Analyst, Engineer, Manager, Senior Manager, Director, Vice President, Chief Executive. Tomas Ivanova submitted a purchase of $9,967 for conference travel. The purchase was approved by Hana Ortiz.\n\nHana Ortiz's job title is not listed in the directory. Beatriz Nakamura, who leads the travel desk, is a Vice President.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"approval_valid": "The purchase is properly approved", "not_enough_information": "The information given is not enough to decide", "approval_invalid": "The approval is not valid under the rule"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00053", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00052", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "approval", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": true, "facts": {"scenario": "approval", "insufficient_key": "not_enough_information", "params": {"amount": 9967, "no_approval_below": 250, "director_above": 5000, "title": null}, "deciding_present": false, "options_q": {"decision": {"approval_valid": "approval_valid", "not_enough_information": "not_enough_information", "approval_invalid": "approval_invalid"}}}, "text_sha256": "01543dec86af687018b7d022a96ceba4eb20b87ab03ed3ec8b15a1e4475e58e3", "state_tokens": 137}}
{"state": "MEMO\nRe: Overtime\n\nHours beyond 40 in a Monday-to-Sunday week are overtime. No shift may exceed 10 hours. Owen Vance worked 9 hours on Monday. Owen Vance worked 9 hours on Tuesday.\n\nOwen Vance worked 8 hours on Wednesday. Owen Vance worked 6 hours on Thursday. Owen Vance worked 8 hours on Friday.\n\nOwen did not work at the weekend.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"overtime_due": "Overtime is due for this week", "no_overtime": "No overtime is due for this week", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "no_overtime"}}, "_meta": {"id": "hard-v1/ambiguous/development/00084", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00084", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "overtime", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "overtime", "insufficient_key": "not_enough_information", "params": {"hours": [9, 9, 8, 6, 8], "max_shift": 10}, "deciding_present": true, "options_q": {"decision": {"overtime_due": "overtime_due", "no_overtime": "no_overtime", "not_enough_information": "not_enough_information"}}}, "text_sha256": "12a20105f904f7d3db0f08b86219b1368c2e292100d713e72e1e52dbfeb052b4", "state_tokens": 89}}
{"state": "HOUSEHOLD CONTENTS COVER: POLICY BOOKLET\nIssued by Lantern General Insurance\nIn this policy, \"the Insurer\" means Lantern General Insurance and \"the Policyholder\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Art and antiques means paintings, antiques, rugs and other works of art.\n(2) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(3) Bicycles means bicycles and electric scooters.\n(4) Business day means Monday to Friday, excluding public holidays.\n(5) Contents means household goods and personal possessions that belong to the Policyholder or the Policyholder's family.\n(6) Family means the Policyholder's spouse or partner and any children who live with the Policyholder.\n(7) Forcible entry means entry to the home that leaves visible damage to doors, windows or locks.\n(8) Garden items means garden furniture, plants and outdoor tools.\n(9) High-risk items means jewellery, watches, laptops, games consoles and cameras.\n(10) Home means the private residence at the address shown in the schedule.\n(11) Incident means a single event, or a series of events arising from one cause.\n(12) Limit means the most the Insurer will pay for all claims under a section arising from one incident.\n(13) Outbuilding means a shed, garage or greenhouse within the boundaries of the home.\n(14) Policy period means twelve months from the policy start date shown in the Policyholder's schedule.\n(15) Portable electronics means laptops, tablets and mobile phones.\n(16) Premium means the amount the Policyholder must pay for this policy, including any taxes.\n(17) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(18) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(19) Unoccupied means not lived in by the Policyholder or a member of the Policyholder's family for more than 45 consecutive days.\n\n§ 2  Limits and excess\n(1) Theft: limit $10,000 per incident; excess $500 per claim.\n(2) Escape of Water: limit $15,000 per incident; excess $250 per claim.\n(3) Accidental Damage: limit $5,000 per incident; excess $100 per claim.\n(4) Flood: limit $20,000 per incident; excess $500 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Waiver\n(1) If the Insurer does not enforce any term of this policy, that does not mean the Insurer has given up the right to enforce it later.\n\n§ 4  Optional cover: Accidental Damage\n(1) The Insurer will pay for sudden and unexpected accidental damage to the Policyholder's contents inside the home.\n(2) This section applies only if it is shown as purchased in the Policyholder's schedule.\n(3) The most the Insurer will pay for Portable electronics under this section is $500 per incident.\n(4) The Insurer will not pay for damage caused by pets.\n(5) The Insurer will not pay for wear and tear, or damage that happens gradually.\n\n§ 5  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 6  Cooperation\n(1) The Policyholder must give the Insurer all the help and information the Insurer reasonably need to settle a claim.\n(2) The Policyholder must not admit liability or offer to settle any claim without the Insurer's written permission.\n\n§ 7  Payment of claims\n(1) The Insurer will pay claims by bank transfer to an account in the Policyholder's name.\n(2) The Insurer aims to pay accepted claims within 15 working days of receiving all the documents the Insurer needs.\n\n§ 8  Freezer contents\n(1) The Insurer will pay for food in a domestic freezer that spoils because of a rise or fall in temperature.\n(2) The Insurer will not pay if the freezer is more than fifteen years old, or if the electricity supplier cut the supply deliberately.\n\n§ 9  Communication\n(1) The Insurer will communicate with the Policyholder in English.\n(2) The Insurer may record telephone calls for training and quality purposes.\n\n§ 10  Escape of Water\n(1) The Insurer will pay for contents damaged by water escaping from a fixed pipe, tank or domestic appliance.\n(2) The most the Insurer will pay for Art and antiques under this section is $2,000 per incident.\n(3) The Insurer will not pay for damage caused by water leaking gradually over a period of time.\n(4) The Insurer will not pay for damage caused by the failure of grout or sealant around baths and showers.\n\n§ 11  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 12  Reasonable precautions\n(1) The Policyholder must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Policyholder must take reasonable steps to recover lost or stolen property.\n\n§ 13  Environmental commitment\n(1) Where practical, the Insurer will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Policyholder may ask for a new part instead, and the Insurer will tell the Policyholder whether any additional cost would apply.\n\n§ 14  Inflation\n(1) The Insurer may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Policyholder's renewal documents; limits do not change during a policy period.\n\n§ 15  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Policyholder must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 16  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 17  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Policyholder should be sent to the address shown in the schedule.\n\n§ 18  Assignment\n(1) The Policyholder cannot transfer the Policyholder's interest in this policy to anyone else without the Insurer's written consent.\n\n§ 19  Renewal\n(1) The Insurer will write to the Policyholder at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 20  Automatic renewal\n(1) Unless the Policyholder tells the Insurer otherwise, this policy will renew automatically at the end of the policy period using the payment details the Insurer holds.\n(2) The Policyholder can switch off automatic renewal at any time by contacting the Insurer's helpline.\n\n§ 21  Theft\n(1) The Insurer will pay for contents stolen from the Policyholder's home.\n(2) The most the Insurer will pay for High-risk items under this section is $1,000 per incident.\n(3) The most the Insurer will pay for Bicycles under this section is $800 per incident.\n(4) The Insurer will not pay for theft while the home is unoccupied.\n(5) The Insurer will not pay for theft where there is no sign of forced entry to the home. This exclusion does not apply where the thief gained entry by deception, for example by posing as a utility worker.\n(6) The Insurer will not pay for theft from sheds, garages or other outbuildings. This exclusion does not apply if the outbuilding was locked and the theft involved forcible entry.\n\n§ 22  Alternative accommodation\n(1) If the Policyholder's home cannot be lived in after damage covered by this policy, the Insurer will pay the reasonable cost of comparable temporary accommodation.\n(2) The Insurer will also pay for the temporary housing of pets that live with the Policyholder.\n(3) Cover ends when the home is fit to live in again or after twelve months, whichever is sooner.\n\n§ 23  Flood\n(1) The Insurer will pay for contents damaged by flood water entering the Policyholder's home.\n(2) No cover applies under this section to any incident that happens within the first 14 days after the policy start date.\n(3) The most the Insurer will pay for Garden items under this section is $500 per incident.\n(4) The Insurer will not pay for flood damage where a flood warning for the Policyholder's area had been issued before the policy started.\n\n§ 24  General exclusions\n(1) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(2) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n(3) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n(4) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n\n§ 25  Instalment agreements\n(1) If the Policyholder pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 26  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 27  Cancellation\n(1) The Policyholder can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Policyholder can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $30.\n(3) The Insurer can cancel this policy by giving the Policyholder 30 days' written notice to the last address the Insurer holds.\n\n§ 28  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 29  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 30  Customer support\n(1) The Insurer's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Policyholder can leave a message and the Insurer will call back on the next working day.\n\n§ 31  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 32  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 33  Compensation scheme\n(1) The Insurer is covered by a financial services compensation scheme.\n(2) If the Insurer cannot meet the Insurer's obligations, the Policyholder may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 34  Making a claim\n(1) The Policyholder must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Insurer may appoint a loss adjuster to investigate any claim.\n(3) The Policyholder must notify the Insurer of a claim within 14 days of the incident. The Insurer will not pay any claim notified after that time.\n\n§ 35  Duty of fair presentation\n(1) The Policyholder must answer all questions the Insurer asks honestly and to the best of the Policyholder's knowledge.\n(2) If the Policyholder gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Policyholder gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 36  Contents temporarily removed\n(1) The Policyholder's contents are covered while temporarily removed from the home to another building in the same country, for up to 60 days.\n(2) Contents in a student hall of residence are covered only if the student is a member of the Policyholder's family.\n\n§ 37  Records and evidence\n(1) The Policyholder should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 38  Claims documents\n(1) The Policyholder must provide, at the Policyholder's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 39  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 40  Complaints\n(1) If the Policyholder has a complaint, the Policyholder should first contact the Insurer's customer relations team, quoting the policy number.\n(2) The Insurer will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Policyholder remains dissatisfied, the Policyholder may be able to refer the complaint to an independent ombudsman service.\n\n§ 41  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Insurer will pay only the Insurer's proportionate share.\n(2) The Policyholder must tell the Insurer about any other insurance that covers the same loss when the Policyholder makes a claim.\n\n=== CLAIM ===\nClaim summary: Emeka Fischer; policy P259812; policy start 22 March 2025; schedule covers Theft, Escape of Water, Flood; extensions none. Section claimed: Theft, for an engagement ring. Incident date 12 May 2025; notified 29 May 2025; assessed loss $1,187. Facts: A man posing as a gas engineer was let in by Emeka and took the ring while Emeka was in another room. Police found no sign of forced entry. Emeka has lived at the property for four years.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_waiting": "Decline: the incident happened during the waiting period (§ 23(2))", "deny_no_forced_entry": "Decline under the theft without forced entry exclusion (§ 21(5))", "pay_limit": "Pay up to the Theft limit", "pay_less_fee": "Pay the assessed loss less the excess", "deny_late": "Decline: the claim was notified too late (§ 34(3))"}, "src": "hard_long_policy", "label": "deny_late"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$1,000", "b": "$0", "c": "$500", "d": "$687", "e": "$9,500"}, "src": "hard_long_policy", "label": "b"}}, "_meta": {"id": "hard-v1/long_policy/development/00030", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00030", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "home", "target": "deny_late", "category": "theft", "tempting": "no_forced_entry", "facts": {"domain": "home", "fee_order": "before", "notice_days": 14, "categories": {"theft": {"limit": 10000, "fee": 500, "waiting": 0, "purchased": true}, "water": {"limit": 15000, "fee": 250, "waiting": 0, "purchased": true}, "accidental": {"limit": 5000, "fee": 100, "waiting": 0, "purchased": false}, "flood": {"limit": 20000, "fee": 500, "waiting": 14, "purchased": true}}, "classes": {"high_risk": {"category": "theft", "cap": 1000}, "bicycles": {"category": "theft", "cap": 800}, "art": {"category": "water", "cap": 2000}, "portable": {"category": "accidental", "cap": 500}, "garden": {"category": "flood", "cap": 500}}, "exclusions": [{"key": "unoccupied", "categories": ["theft"], "kind": "threshold", "thr": 45, "cmp": "gt", "has_exception": false}, {"key": "no_forced_entry", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "outbuilding", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "gradual", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "sealant", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pets", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear_home", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "flood_warning", "categories": ["flood"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "theft", "item": "the ring", "item_class": "high_risk", "loss_cents": 118700, "start": "2025-03-22", "incident": "2025-05-12", "reported": "2025-05-29", "conditions": {"no_forced_entry": true}, "values": {}, "exceptions": {"no_forced_entry": true}}, "options_q": {"outcome": {"deny_waiting": "deny_waiting", "deny_no_forced_entry": "deny_no_forced_entry", "pay_limit": "pay_limit", "pay_less_fee": "pay_less_fee", "deny_late": "deny_late"}, "amount": {"a": 100000, "b": 0, "c": 50000, "d": 68700, "e": 950000}}}, "text_sha256": "91e99251c09360eaabae5f7588b395c42ac91476985b5bbfdb4d8e1a3a6ebdcf", "state_tokens": 3543}}
{"state": "MEMO\nRe: Meeting across time zones\n\nA call is scheduled for Tuesday, March 23, 9:45 AM Tokyo time. On that date Tokyo is on UTC+9 and New York is on UTC-4. One attendee is in New York.", "questions": {"local": {"type": "choice", "instructions": "Local start time in New York:", "criteria": {"a": "Monday, March 22, 8:45 PM", "b": "Monday, March 22, 9:45 PM", "c": "Monday, March 22, 7:45 PM", "d": "Tuesday, March 23, 10:45 PM", "e": "Sunday, March 21, 8:45 PM"}, "src": "hard_temporal_numeric", "label": "a"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00093", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00093", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "tz", "facts": {"kind": "tz", "start": "2027-03-23T09:45", "off_a": 9, "off_b": -4, "options_q": {"local": {"a": "2027-03-22T20:45", "b": "2027-03-22T21:45", "c": "2027-03-22T19:45", "d": "2027-03-23T22:45", "e": "2027-03-21T20:45"}}}, "text_sha256": "a7960c9ba134423a7e1fa336dd146b2e12a6f77df72ff5f2e8352c086f103984", "state_tokens": 56}}
{"state": "MEMO\nRe: Meeting across time zones\n\nA call is scheduled for Saturday, December 5, 9:15 PM New York time. On that date New York is on UTC-4 and Tokyo is on UTC+9. One attendee is in Tokyo.", "questions": {"local": {"type": "choice", "instructions": "Local start time in Tokyo:", "criteria": {"a": "Sunday, December 6, 11:15 AM", "b": "Sunday, December 6, 10:15 AM", "c": "Saturday, December 5, 10:15 AM", "d": "Saturday, December 5, 8:15 AM", "e": "Sunday, December 6, 9:15 AM"}, "src": "hard_temporal_numeric", "label": "b"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00014", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00014", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "tz", "facts": {"kind": "tz", "start": "2026-12-05T21:15", "off_a": -4, "off_b": 9, "options_q": {"local": {"a": "2026-12-06T11:15", "b": "2026-12-06T10:15", "c": "2026-12-05T10:15", "d": "2026-12-05T08:15", "e": "2026-12-06T09:15"}}}, "text_sha256": "abc1c2b9601804aec5c0b00ca429d90e934aba2a50c0e446ccd1e7dd9ea262f3", "state_tokens": 55}}
{"state": "REVIEW REQUEST\nItem: Machine A packs 110 boxes per hour and machine B packs 199 boxes per hour. Working together, how many hours do they need to pack 1,081 boxes? Give one decimal place.\nSubmitted result: Final answer: 5.4 hours", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "5.5 hours", "b": "15.3 hours", "c": "5.4 hours", "d": "7.0 hours", "e": "3.5 hours"}, "src": "hard_judge", "label": "e"}}, "_meta": {"id": "hard-v1/judge/development/00005", "source": "hard_judge", "group_id": "hard-v1/judge/development/00005", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "rate", "error": "one_machine", "facts": {"kind": "rate", "args": {"items": 1081, "r1": 110, "r2": 199}, "dp": 1, "proposed": 54, "error": "one_machine", "options_q": {"value": {"a": 55, "b": 153, "c": 54, "d": 70, "e": 35}}}, "text_sha256": "27b43ef6a60c66b7dae8d0e7e177bb900036b15c6322f08702226e89928d77e4", "state_tokens": 64}}
{"state": "MEMO\nRe: Meeting across time zones\n\nA call is scheduled for Tuesday, March 23, 6:15 AM Berlin time. On that date Berlin is on UTC+2 and Mumbai is on UTC+5:30. One attendee is in Mumbai.", "questions": {"local": {"type": "choice", "instructions": "Local start time in Mumbai:", "criteria": {"a": "Wednesday, March 24, 9:45 AM", "b": "Tuesday, March 23, 10:45 AM", "c": "Tuesday, March 23, 9:45 AM", "d": "Tuesday, March 23, 2:45 AM", "e": "Tuesday, March 23, 8:45 AM"}, "src": "hard_temporal_numeric", "label": "c"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00096", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00096", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "tz", "facts": {"kind": "tz", "start": "2027-03-23T06:15", "off_a": 2, "off_b": 5.5, "options_q": {"local": {"a": "2027-03-24T09:45", "b": "2027-03-23T10:45", "c": "2027-03-23T09:45", "d": "2027-03-23T02:45", "e": "2027-03-23T08:45"}}}, "text_sha256": "adfa5732603a3c37cb84cc05f2791d21b6b27248874c5c30d22de7b85cf0145b", "state_tokens": 57}}
{"state": "MEMO\nRe: Group structure\n\nAn entity controls a company if it holds more than 50% of that company's shares, counting shares it holds directly and shares held by companies it controls. Hollis Investments owns 51% of Eastgate Partners. Dunmore Ventures owns 86% of Hollis Investments.\n\nIvel Holdings owns 14% of Hollis Investments. Fenwick Industries owns 49% of Eastgate Partners.", "questions": {"controller": {"type": "choice", "instructions": "Name the ultimate controller of Eastgate Partners.", "criteria": {"dunmore_ventures": null, "no_controller": "No entity controls it", "fenwick_industries": null, "hollis_investments": null, "ivel_holdings": null}, "src": "hard_multi_hop", "label": "dunmore_ventures"}, "interest": {"type": "choice", "instructions": "What is Dunmore Ventures's effective economic interest in Eastgate Partners (its share of Eastgate Partners's profits through all holdings)?", "criteria": {"a": "43.9%", "b": "51.0%", "c": "87.8%", "d": "86.0%"}, "src": "hard_multi_hop", "label": "a"}}, "_meta": {"id": "hard-v1/multi_hop/development/00085", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00085", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "ownership", "shape": "chain", "facts": {"kind": "ownership", "stakes": {"Hollis Investments": {"Dunmore Ventures": "86/100", "Ivel Holdings": "14/100"}, "Eastgate Partners": {"Hollis Investments": "51/100", "Fenwick Industries": "49/100"}}, "candidates": ["Dunmore Ventures", "Hollis Investments", "Fenwick Industries", "Ivel Holdings"], "target": "Eastgate Partners", "top": "Dunmore Ventures", "options_q": {"controller": {"dunmore_ventures": "dunmore_ventures", "no_controller": "no_controller", "fenwick_industries": "fenwick_industries", "hollis_investments": "hollis_investments", "ivel_holdings": "ivel_holdings"}, "interest": {"a": 439, "b": 510, "c": 878, "d": 860}}}, "text_sha256": "f8a2fb4855575d361b5f129faca991cd3c125f0a0c606f9455f9e7c6ff10e907", "state_tokens": 94}}
{"state": "REVIEW REQUEST\nItem: An order has 12 notebooks at $59.65 each and 5 desk lamps at $110.95 each. A 20% discount applies to the whole order, and then 8% sales tax is added. What is the final total, to the nearest cent?\nSubmitted result: Answer: $1,097.76", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$1,118.08", "b": "$1,097.76", "c": "$1,016.44", "d": "$1,217.58", "e": "$714.31"}, "src": "hard_judge", "label": "b"}}, "_meta": {"id": "hard-v1/judge/development/00027", "source": "hard_judge", "group_id": "hard-v1/judge/development/00027", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "order", "error": null, "facts": {"kind": "order", "args": {"q1": 12, "p1": "1193/20", "q2": 5, "p2": "2219/20", "d": "1/5", "tax": "2/25"}, "dp": 2, "proposed": 109776, "error": null, "options_q": {"value": {"a": 111808, "b": 109776, "c": 101644, "d": 121758, "e": 71431}}}, "text_sha256": "b0989e2b73c08c7e6e8ee6b7ef231d1a2f186aa3e7719a6c103979d30c27ccf7", "state_tokens": 84}}
{"state": "MEMO\nRe: Overtime\n\nHours beyond 40 in a Monday-to-Sunday week are overtime. No shift may exceed 12 hours. Wen Ivanova worked 10 hours on Monday. Wen Ivanova worked 9 hours on Tuesday.\n\nWen Ivanova worked 9 hours on Wednesday. Wen Ivanova worked 7 hours on Thursday. Wen's Friday timesheet has not been submitted.\n\nWen did not work at the weekend.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"no_overtime": "No overtime is due for this week", "overtime_due": "Overtime is due for this week", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00049", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00048", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "overtime", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": true, "facts": {"scenario": "overtime", "insufficient_key": "not_enough_information", "params": {"hours": [10, 9, 9, 7, null], "max_shift": 12}, "deciding_present": false, "options_q": {"decision": {"no_overtime": "no_overtime", "overtime_due": "overtime_due", "not_enough_information": "not_enough_information"}}}, "text_sha256": "49dc197b05df3137c8b80b3016b5246f6df989ef3f626a999a67978a4514867d", "state_tokens": 95}}
{"state": "MEMO\nRe: Meeting across time zones\n\nA call is scheduled for Sunday, February 1, 1:45 AM Mumbai time. On that date Mumbai is on UTC+5:30 and New York is on UTC-4. One attendee is in New York.", "questions": {"local": {"type": "choice", "instructions": "Local start time in New York:", "criteria": {"a": "Friday, January 30, 4:15 PM", "b": "Sunday, February 1, 11:15 AM", "c": "Saturday, January 31, 3:15 PM", "d": "Saturday, January 31, 4:15 PM", "e": "Saturday, January 31, 5:15 PM"}, "src": "hard_temporal_numeric", "label": "d"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00052", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00052", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "tz", "facts": {"kind": "tz", "start": "2026-02-01T01:45", "off_a": 5.5, "off_b": -4, "options_q": {"local": {"a": "2026-01-30T16:15", "b": "2026-02-01T11:15", "c": "2026-01-31T15:15", "d": "2026-01-31T16:15", "e": "2026-01-31T17:15"}}}, "text_sha256": "64c0b05eab49879c3e55f5795f92ff12777a9a8bedad9ec0fd4bb4e8b6a5b7e3", "state_tokens": 58}}
{"state": "MEMO\nRe: Approval\n\nPurchases under $500 need no approval. Purchases from $500 up to $10,000 must be approved by a Manager or more senior; purchases above $10,000 must be approved by a Director or more senior. Seniority: Analyst, Engineer, Manager, Senior Manager, Director, Vice President, Chief Executive. Nadia Vance submitted a purchase of $26,200 for conference travel. The purchase was approved by Maya Abara.\n\nMaya Abara is a Manager. Wen Osei, who leads the travel desk, is a Director.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"approval_valid": "The purchase is properly approved", "approval_invalid": "The approval is not valid under the rule", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "approval_invalid"}}, "_meta": {"id": "hard-v1/ambiguous/development/00082", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00082", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "approval", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "approval", "insufficient_key": "not_enough_information", "params": {"amount": 26200, "no_approval_below": 500, "director_above": 10000, "title": "Manager"}, "deciding_present": true, "options_q": {"decision": {"approval_valid": "approval_valid", "approval_invalid": "approval_invalid", "not_enough_information": "not_enough_information"}}}, "text_sha256": "1c7547fd8d86b21e1f3511d2d7e5920f2c9a2c6f87105b5fe68edd6f67cf162c", "state_tokens": 133}}
{"state": "MEMO\nRe: Outage: fraud-scorer\n\nOutages propagate along hard dependencies: if a service goes down, every service that depends on it, directly or through other hard dependencies, is affected. Soft dependencies do not propagate outages. fraud-scorer depends on email-relay. billing-api depends on pricing-engine.\n\ncheckout-web depends on billing-api. cdn-edge depends on session-cache. session-cache depends on reporting-etl.\n\norder-queue depends on checkout-web. ledger-service depends on reporting-etl. pricing-engine depends on fraud-scorer.\n\nfraud-scorer is currently down.", "questions": {"affected": {"type": "choice", "instructions": "Which of these will the outage reach?", "criteria": {"ledger_service": null, "none_affected": "None of these services is affected", "order_queue": null, "email_relay": null, "session_cache": null}, "src": "hard_multi_hop", "label": "order_queue"}}, "_meta": {"id": "hard-v1/multi_hop/development/00051", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00051", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "deps", "hops": 4, "soft": false, "facts": {"kind": "deps", "edges": [["pricing-engine", "fraud-scorer", false], ["billing-api", "pricing-engine", false], ["checkout-web", "billing-api", false], ["order-queue", "checkout-web", false], ["fraud-scorer", "email-relay", false], ["session-cache", "reporting-etl", false], ["ledger-service", "reporting-etl", false], ["cdn-edge", "session-cache", false]], "down": "fraud-scorer", "candidates": ["order-queue", "email-relay", "ledger-service", "session-cache"], "options_q": {"affected": {"ledger_service": "ledger_service", "none_affected": "none_affected", "order_queue": "order_queue", "email_relay": "email_relay", "session_cache": "session_cache"}}}, "text_sha256": "110714ac1531ad4263fb04cfb6c405a511f53e328a3e33674e8387f4f932a9f0", "state_tokens": 128}}
{"state": "MEMO\nRe: Alert precision\n\nAn inspection camera flags units on the production line. Historically, two percent of units are defective. When one of the units is defective, the system flags it ninety percent of the time.\n\nWhen one of the units is not defective, the system still flags it five percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that one of the units that the system has flagged is actually defective?", "criteria": {"a": "1.8%", "b": "26.9%", "c": "90.0%", "d": "2.0%", "e": "95.0%"}, "src": "hard_probability", "label": "b"}, "more_likely": {"type": "noul", "instructions": "Per the figures given, Is one of the units that the system has flagged more likely than not to be defective?", "src": "hard_probability", "label": false}}, "_meta": {"id": "hard-v1/probability/development/00096", "source": "hard_probability", "group_id": "hard-v1/probability/development/00096", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "bayes", "facts": {"kind": "bayes", "p": {"base": "2/100", "sens": "90/100", "fpr": "5/100"}, "options_q": {"value": {"a": 18, "b": 269, "c": 900, "d": 20, "e": 950}}, "qid2": "more_likely"}, "text_sha256": "a1dfad9bda00c0d7c9d284c0f2bafd21b1b824804efe63a900675ee713680b3b", "state_tokens": 67}}
{"state": "ELECTRONICS CARE PLAN\nIssued by Tessera Warranty Company\nIn this policy, \"the Provider\" means Tessera Warranty Company and \"the Customer\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Accessories means cases, chargers, earbuds and styluses.\n(2) Accessories means cases, chargers and earbuds.\n(3) Assessed loss means the cost of repair or replacement agreed by the Provider, before any service fee, limit or sublimit is applied.\n(4) Authorised repairer means a repairer approved in writing by the Provider.\n(5) Battery replacement means replacement batteries and battery repairs.\n(6) Business day means Monday to Friday, excluding public holidays.\n(7) Device means the item shown in the schedule, bought new from an authorised retailer.\n(8) Family means the Customer's spouse or partner and any children who live with the Customer.\n(9) Limit means the most the Provider will pay for all claims under a section arising from one incident.\n(10) Manufacturer's warranty period means the first 12 months after the device was bought.\n(11) Policy period means twelve months from the policy start date shown in the Customer's schedule.\n(12) Premium means the amount the Customer must pay for this policy, including any taxes.\n(13) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(14) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(15) Replacement device means a device of the same or similar specification, which may be refurbished.\n(16) Schedule means the document issued with this policy that shows the Customer's details, the covers the Customer bought and any extensions.\n(17) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(18) Wearables means smartwatches and fitness trackers.\n\n§ 2  Limits and service fee\n(1) Accidental Damage: limit $1,500 per incident; service fee $49 per claim.\n(2) Breakdown: limit $1,000 per incident; service fee $49 per claim.\n(3) Theft and Loss: limit $1,200 per incident; service fee $149 per claim.\n(4) Any limit or sublimit is applied to the assessed loss first, and the service fee is then deducted from the result.\n\n§ 3  Optional cover: Theft and Loss\n(1) The Provider will replace the Customer's device if it is stolen or lost.\n(2) This section applies only if it is shown as purchased in the Customer's schedule.\n(3) The most the Provider will pay for Accessories under this section is $50 per incident.\n(4) The Provider will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Provider will not pay for theft that was not reported to the police.\n\n§ 4  Complaints\n(1) If the Customer has a complaint, the Customer should first contact the Provider's customer relations team, quoting the policy number.\n(2) The Provider will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Customer remains dissatisfied, the Customer may be able to refer the complaint to an independent ombudsman service.\n\n§ 5  Accidental Damage\n(1) The Provider will repair or replace the Customer's device if it is accidentally damaged.\n(2) The most the Provider will pay for Accessories under this section is $100 per incident.\n(3) The most the Provider will pay for Wearables under this section is $300 per incident.\n(4) The Provider will not pay for cosmetic damage, such as scratches or dents, that does not affect how the device works.\n(5) The Provider will not pay for damage following a repair by anyone other than the Provider or an authorised repairer. This exclusion does not apply if the Provider approved the repair in writing beforehand.\n\n§ 6  Changes in circumstances\n(1) The Customer must tell the Provider as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Provider may then change the premium or the terms of this policy, or cancel it.\n\n§ 7  Salvage\n(1) When the Provider replaces an item, the damaged or recovered item becomes the Provider's property.\n(2) If stolen property is recovered after the Provider has paid a claim, the Customer must tell the Provider and either return the payment or give the Provider the property.\n\n§ 8  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Provider may adjust the premium from the date of the change.\n\n§ 9  Instalment agreements\n(1) If the Customer pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 10  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 11  Market conditions\n(1) If the replacement item is no longer available, the Provider will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 12  Data protection\n(1) The Provider will use the personal information the Customer provides to administer this policy and to handle claims.\n(2) The Provider will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Customer can ask for a copy of the personal information the Provider holds by writing to the Provider's data protection officer.\n\n§ 13  Transferring the plan\n(1) The Customer may transfer the plan to a new owner of the device by telling the Provider in writing.\n(2) The remaining term of the plan transfers with the device; the term does not restart.\n\n§ 14  Reasonable precautions\n(1) The Customer must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Customer must take reasonable steps to recover lost or stolen property.\n\n§ 15  Premium payment\n(1) The Customer must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Provider may cancel the policy after giving notice.\n\n§ 16  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 17  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 18  Breakdown\n(1) The Provider will repair or replace the Customer's device if it stops working because of an electrical or mechanical fault.\n(2) No cover applies under this section to any incident that happens within the first 45 days after the policy start date.\n(3) The most the Provider will pay for Battery replacement under this section is $80 per incident.\n(4) The Provider will not pay for breakdowns during the manufacturer's warranty period.\n(5) The Provider will not pay for breakdown caused by liquid getting into the device.\n\n§ 19  Duty of fair presentation\n(1) The Customer must answer all questions the Provider asks honestly and to the best of the Customer's knowledge.\n(2) If the Customer gives incorrect information deliberately or recklessly, the Provider may treat this policy as if it never existed and keep the premium.\n(3) If the Customer gives incorrect information carelessly, the Provider may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 20  Arbitration\n(1) If the Provider accepts a claim but disagree with the Customer about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Provider.\n\n§ 21  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 22  General exclusions\n(1) The Provider will not pay for loss caused by nuclear radiation or radioactive contamination.\n(2) The Provider will not pay for loss arising from a government order or sanction that prohibits the Provider from paying.\n(3) The Provider will not pay for any fraudulent claim or any claim supported by false documents.\n(4) The Provider will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(5) The Provider will not pay for any deliberate or criminal act by the Customer.\n\n§ 23  Making a claim\n(1) The Customer must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Provider may appoint a loss adjuster to investigate any claim.\n(3) The Customer must notify the Provider of a claim within 90 days of the incident. The Provider will not pay any claim notified after that time.\n\n§ 24  Customer support\n(1) The Provider's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Customer can leave a message and the Provider will call back on the next working day.\n\n§ 25  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Provider may charge the premium without the discount from that date.\n\n§ 26  Sanctions\n(1) The Provider will not provide cover or pay any claim to the extent that doing so would expose the Provider to any sanction or restriction under applicable trade or economic sanctions laws.\n\n=== CLAIM ===\nClaim summary: Hugo Okafor; policy D776662; policy start 14 May 2025; schedule covers Accidental Damage, Breakdown, Theft and Loss; extensions none. Section claimed: Breakdown, for a games console with a failed disc drive. Incident date 23 August 2025; notified 23 October 2025; assessed loss $1,458. Facts: The device was bought 13 months before it broke down. The technician found no sign of liquid inside the device. The technician found a failed component on the main board. Hugo uses the device mainly for work. Hugo bought the device from an authorised retailer. The retailer's receipt was uploaded with the claim.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"not_covered": "Decline: Breakdown is not a cover shown in the schedule", "deny_waiting": "Decline: the incident happened during the waiting period (§ 18(2))", "deny_manufacturer_warranty": "Decline under the manufacturer's warranty period exclusion (§ 18(4))", "pay_limit": "Pay up to the Breakdown limit", "pay_sublimit": "Pay up to the Battery replacement sublimit (§ 18(3))"}, "src": "hard_long_policy", "label": "pay_limit"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$1,409", "b": "$31", "c": "$1,458", "d": "$1,000", "e": "$951"}, "src": "hard_long_policy", "label": "e"}}, "_meta": {"id": "hard-v1/long_policy/development/00069", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00069", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "device", "target": "pay_limit", "category": "breakdown", "tempting": null, "facts": {"domain": "device", "fee_order": "after", "notice_days": 90, "categories": {"accidental_damage": {"limit": 1500, "fee": 49, "waiting": 0, "purchased": true}, "breakdown": {"limit": 1000, "fee": 49, "waiting": 45, "purchased": true}, "theft_loss": {"limit": 1200, "fee": 149, "waiting": 0, "purchased": true}}, "classes": {"accessories": {"category": "accidental_damage", "cap": 100}, "wearables": {"category": "accidental_damage", "cap": 300}, "battery": {"category": "breakdown", "cap": 80}, "accessories_tl": {"category": "theft_loss", "cap": 50}}, "exclusions": [{"key": "cosmetic_damage", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unauthorised_repair", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "manufacturer_warranty", "categories": ["breakdown"], "kind": "threshold", "thr": 12, "cmp": "lt", "has_exception": false}, {"key": "liquid", "categories": ["breakdown"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unattended", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "no_police_report", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "breakdown", "item": "the games console", "item_class": null, "loss_cents": 145800, "start": "2025-05-14", "incident": "2025-08-23", "reported": "2025-10-23", "conditions": {"liquid": false}, "values": {"manufacturer_warranty": 13}, "exceptions": {}}, "options_q": {"outcome": {"not_covered": "not_covered", "deny_waiting": "deny_waiting", "deny_manufacturer_warranty": "deny_manufacturer_warranty", "pay_limit": "pay_limit", "pay_sublimit": "pay_sublimit"}, "amount": {"a": 140900, "b": 3100, "c": 145800, "d": 100000, "e": 95100}}}, "text_sha256": "a5f3afb98105783214791590806644a21101cc547de7acd4596780e33c027df7", "state_tokens": 2414}}
{"state": "MEMO\nRe: Reliability estimate\n\nA checkout succeeds only if all 3 independent steps succeed: the address validator, the tax service, the fraud check. The address validator succeeds sixty percent of the time. The tax service succeeds seventy percent of the time.\n\nThe fraud check succeeds ninety-five percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that a checkout fails?", "criteria": {"a": "39.9%", "b": "99.4%", "c": "60.0%", "d": "60.1%", "e": "0.6%"}, "src": "hard_probability", "label": "d"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that a checkout fails?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 3}}, "_meta": {"id": "hard-v1/probability/development/00057", "source": "hard_probability", "group_id": "hard-v1/probability/development/00057", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "independent", "facts": {"kind": "independent", "p": {}, "ps": ["60/100", "70/100", "95/100"], "ask": "any_fail", "options_q": {"value": {"a": 399, "b": 994, "c": 600, "d": 601, "e": 6}}, "qid2": "bucket"}, "text_sha256": "aa14732d4959255c8a1b8552d7bfbc46bd5bc8342079c23da55dade43f6257aa", "state_tokens": 65}}
{"state": "MEMO\nRe: Reliability estimate\n\nA checkout succeeds only if all 4 independent steps succeed: the warehouse API, the tax service, the fraud check, the courier booking. The warehouse API succeeds ninety-two percent of the time. The tax service succeeds ninety-nine percent of the time.\n\nThe fraud check succeeds ninety-two percent of the time. The courier booking succeeds ninety-two percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that a checkout succeeds?", "criteria": {"a": "0.0%", "b": "92.0%", "c": "100.0%", "d": "77.1%", "e": "22.9%"}, "src": "hard_probability", "label": "d"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that a checkout succeeds?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 4}}, "_meta": {"id": "hard-v1/probability/development/00007", "source": "hard_probability", "group_id": "hard-v1/probability/development/00007", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "independent", "facts": {"kind": "independent", "p": {}, "ps": ["92/100", "99/100", "92/100", "92/100"], "ask": "all", "options_q": {"value": {"a": 0, "b": 920, "c": 1000, "d": 771, "e": 229}}, "qid2": "bucket"}, "text_sha256": "03349680186ac60560918237540979926a22a59ce9617d9caf2473814c65a5a5", "state_tokens": 82}}
{"state": "MEMO\nRe: Alert from blob store\n\nPaging rule: an alert pages the owning team's primary on-call; if the primary is on leave that day, it pages the secondary; if the secondary is also on leave, it pages the team's engineering manager. Colm is on leave from August 5, 2027 to August 9, 2027 inclusive. The Search engineering manager is Diego.\n\nThe Identity engineering manager is Petra. Alerts from the iOS release train are owned by the Payments team. Alerts from the login service are owned by the Payments team.\n\nThis week's Identity primary on-call is Emeka and the secondary is Samir. Alerts from the ranking model are owned by the Identity team. Alerts from the blob store are owned by the Search team.\n\nThe Payments engineering manager is Amara. This week's Payments primary on-call is Kwame and the secondary is Mateo. This week's Search primary on-call is Colm and the secondary is Ashok.\n\nAshok is on leave from August 1, 2027 to August 6, 2027 inclusive. On August 5, 2027, an alert fired from the blob store.", "questions": {"paged": {"type": "choice", "instructions": "Who is the right person to page?", "criteria": {"colm": null, "diego": null, "ashok": null, "kwame": null}, "src": "hard_multi_hop", "label": "diego"}}, "_meta": {"id": "hard-v1/multi_hop/development/00071", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00071", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "oncall", "facts": {"kind": "oncall", "routes": {"iOS release train": "Payments", "blob store": "Search", "ranking model": "Identity", "login service": "Payments"}, "primary": {"Payments": "Kwame", "Search": "Colm", "Identity": "Emeka"}, "secondary": {"Payments": "Mateo", "Search": "Ashok", "Identity": "Samir"}, "manager": {"Payments": "Amara", "Search": "Diego", "Identity": "Petra"}, "leave": {"Colm": [["2027-08-05", "2027-08-09"]], "Ashok": [["2027-08-01", "2027-08-06"]]}, "component": "blob store", "date": "2027-08-05", "options_q": {"paged": {"colm": "colm", "diego": "diego", "ashok": "ashok", "kwame": "kwame"}}}, "text_sha256": "76842826f3b7551df191408f00fdf82b2cedb2da2d93dd2c4cee281176d9fde9", "state_tokens": 254}}
{"state": "SPEC SHEET: an office lease for the new Leeds team\nPark Row | monthly rent=$11,300 | average commute=41 minutes | capacity=43 desks | one-time setup fee=$500 | on-site parking=yes | step-free access=yes\nStation House | monthly rent=$14,500 | average commute=63 minutes | capacity=29 desks | one-time setup fee=$23,000 | on-site parking=no | step-free access=yes\nMill Yard | monthly rent=$9,500 | average commute=49 minutes | capacity=63 desks | one-time setup fee=$17,000 | on-site parking=no | step-free access=yes\nR1: its average commute must be at most 45 minutes\nR2: it must offer step-free access\nSelection: Among the options that meet every requirement, choose the lowest total cost over 5 years: the one-time setup fee plus 5 years of the monthly cost.", "questions": {"choice": {"type": "choice", "instructions": "Which office best satisfies the brief?", "criteria": {"station_house": null, "mill_yard": null, "none_qualifies": "None of the options meets every requirement", "park_row": null}, "src": "hard_tradeoff", "label": "park_row"}, "meets": {"type": "noul", "instructions": "Does Park Row meet every hard requirement?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00052", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00052", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "tco", "context": "office", "none_case": false, "facts": {"rule": "tco", "options": {"Park Row": {"cost": 11300, "commute": 41, "desks": 43, "parking": true, "access": true, "setup": 500}, "Station House": {"cost": 14500, "commute": 63, "desks": 29, "parking": false, "access": true, "setup": 23000}, "Mill Yard": {"cost": 9500, "commute": 49, "desks": 63, "parking": false, "access": true, "setup": 17000}}, "constraints": [{"attr": "commute", "op": "<=", "value": 45}, {"attr": "access", "op": "is", "value": true}], "priority": [], "weights": {}, "years": 5, "check": "Park Row", "options_q": {"choice": {"station_house": "station_house", "mill_yard": "mill_yard", "none_qualifies": "none_qualifies", "park_row": "park_row"}}}, "text_sha256": "9e01e5a0971a0fa376f7b24b8a26c839e9f791eb7a51ab2042f69a066efcac53", "state_tokens": 212}}
{"state": "MEMO\nRe: Price match\n\nWe match a competitor's lower price for an identical item if the competitor has it in stock at the time of the request, but we never match a price more than 15% below ours. If the competitor's price is not lower, no adjustment is needed. Chloe Sandoval asked us to match Yardley Engineering's price for the same blender model. Our price is $478.00; Yardley Engineering lists it at $415.86.\n\nChloe is a returning customer.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"match_price": "Match the competitor's price", "decline_match": "Decline the price match", "not_enough_information": "The information given is not enough to decide", "no_adjustment": "No adjustment needed"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00047", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00046", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "price_match", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": false, "facts": {"scenario": "price_match", "insufficient_key": "not_enough_information", "params": {"ours_cents": 47800, "theirs_cents": 41586, "max_gap_pct": 15, "in_stock": null}, "deciding_present": false, "options_q": {"decision": {"match_price": "match_price", "decline_match": "decline_match", "not_enough_information": "not_enough_information", "no_adjustment": "no_adjustment"}}}, "text_sha256": "d416e3ff3dcafecbb104ccbf23b24a00ce52a8f1b6b54b0029c3181fec1d2070", "state_tokens": 114}}
{"state": "SPEC SHEET: a freight carrier for the Rotterdam to Milan lane\nKestrel Haulage | price per shipment=$1,850 | transit time=8 days | damage rate=3.00% | temperature-controlled trailers=no | live GPS tracking=yes\nRhenus Line | price per shipment=$3,800 | transit time=3 days | damage rate=2.15% | temperature-controlled trailers=yes | live GPS tracking=yes\nVireo Transport | price per shipment=$2,225 | transit time=7 days | damage rate=2.15% | temperature-controlled trailers=yes | live GPS tracking=no\nPortway | price per shipment=$2,225 | transit time=5 days | damage rate=2.05% | temperature-controlled trailers=no | live GPS tracking=yes\nR1: its damage rate must be at most 2.00%\nSelection: Among the options that meet every requirement, choose the one with the lowest transit time; if two or more are tied on transit time, choose the one with the lowest price per shipment.", "questions": {"choice": {"type": "choice", "instructions": "Which carrier best satisfies the brief?", "criteria": {"kestrel_haulage": null, "portway": null, "vireo_transport": null, "rhenus_line": null, "none_qualifies": "None of the options meets every requirement"}, "src": "hard_tradeoff", "label": "none_qualifies"}, "meets": {"type": "noul", "instructions": "Does Rhenus Line meet every hard requirement?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00065", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00065", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "carrier", "none_case": true, "facts": {"rule": "lex", "options": {"Kestrel Haulage": {"cost": 1850, "transit": 8, "damage": 300, "reefer": false, "tracking": true}, "Rhenus Line": {"cost": 3800, "transit": 3, "damage": 215, "reefer": true, "tracking": true}, "Vireo Transport": {"cost": 2225, "transit": 7, "damage": 215, "reefer": true, "tracking": false}, "Portway": {"cost": 2225, "transit": 5, "damage": 205, "reefer": false, "tracking": true}}, "constraints": [{"attr": "damage", "op": "<=", "value": 200}], "priority": [["transit", "lower"], ["cost", "lower"]], "weights": {}, "years": null, "check": "Rhenus Line", "options_q": {"choice": {"kestrel_haulage": "kestrel_haulage", "portway": "portway", "vireo_transport": "vireo_transport", "rhenus_line": "rhenus_line", "none_qualifies": "none_qualifies"}}}, "text_sha256": "ae8eb66666930665d4a387c57851f297d1396da9381ceec1710b9546805f1805", "state_tokens": 230}}
{"state": "SPEC SHEET: a freight carrier for the Rotterdam to Milan lane\nKestrel Haulage | price per shipment=$3,275 | transit time=3 days | damage rate=2.50% | temperature-controlled trailers=yes | live GPS tracking=yes\nRhenus Line | price per shipment=$2,125 | transit time=7 days | damage rate=0.95% | temperature-controlled trailers=no | live GPS tracking=yes\nMeridian Cargo | price per shipment=$2,150 | transit time=4 days | damage rate=1.10% | temperature-controlled trailers=yes | live GPS tracking=yes\nAlpfreight | price per shipment=$2,575 | transit time=6 days | damage rate=2.90% | temperature-controlled trailers=yes | live GPS tracking=no\nVireo Transport | price per shipment=$3,325 | transit time=11 days | damage rate=1.05% | temperature-controlled trailers=yes | live GPS tracking=yes\nR1: it must offer live GPS tracking\nR2: its transit time must be at most 3 days\nSelection: Among the options that meet every requirement, choose the one with the lowest damage rate; if two or more are tied on damage rate, choose the one with the lowest transit time.", "questions": {"choice": {"type": "choice", "instructions": "Which carrier best satisfies the brief?", "criteria": {"vireo_transport": null, "rhenus_line": null, "alpfreight": null, "meridian_cargo": null, "kestrel_haulage": null}, "src": "hard_tradeoff", "label": "kestrel_haulage"}, "meets": {"type": "noul", "instructions": "Does Meridian Cargo meet every hard requirement?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00053", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00053", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "carrier", "none_case": false, "facts": {"rule": "lex", "options": {"Kestrel Haulage": {"cost": 3275, "transit": 3, "damage": 250, "reefer": true, "tracking": true}, "Rhenus Line": {"cost": 2125, "transit": 7, "damage": 95, "reefer": false, "tracking": true}, "Meridian Cargo": {"cost": 2150, "transit": 4, "damage": 110, "reefer": true, "tracking": true}, "Alpfreight": {"cost": 2575, "transit": 6, "damage": 290, "reefer": true, "tracking": false}, "Vireo Transport": {"cost": 3325, "transit": 11, "damage": 105, "reefer": true, "tracking": true}}, "constraints": [{"attr": "tracking", "op": "is", "value": true}, {"attr": "transit", "op": "<=", "value": 3}], "priority": [["damage", "lower"], ["transit", "lower"]], "weights": {}, "years": null, "check": "Meridian Cargo", "options_q": {"choice": {"vireo_transport": "vireo_transport", "rhenus_line": "rhenus_line", "alpfreight": "alpfreight", "meridian_cargo": "meridian_cargo", "kestrel_haulage": "kestrel_haulage"}}}, "text_sha256": "55b8129e79fa6d5ff5fcb06cfd247bf31137b572de47ee51222baeee4afde808", "state_tokens": 278}}
{"state": "REVIEW REQUEST\nItem: Posts are placed every 8 metres along a straight 112-metre fence, with a post at both ends. How many posts are needed?\nSubmitted result: Pretty sure it's 896 posts", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "16 posts", "b": "14 posts", "c": "896 posts", "d": "15 posts", "e": "897 posts"}, "src": "hard_judge", "label": "d"}}, "_meta": {"id": "hard-v1/judge/development/00065", "source": "hard_judge", "group_id": "hard-v1/judge/development/00065", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "fence", "error": "area_like", "facts": {"kind": "fence", "args": {"length": 112, "gap": 8}, "dp": 0, "proposed": 896, "error": "area_like", "options_q": {"value": {"a": 16, "b": 14, "c": 896, "d": 15, "e": 897}}}, "text_sha256": "6db134c9071dd7146109a5fc8f311581727fe52ea1a878e59e255cd599381c71", "state_tokens": 50}}
{"state": "MEMO\nRe: Shift pay check\n\nA warehouse worker clocked in at 08:00 on May 3, 2026 and clocked out at 17:00. They took no break. The hourly rate is $18.00.\n\nPaid time beyond 8 hours in a shift is paid at 1.5 times the hourly rate.", "questions": {"pay": {"type": "choice", "instructions": "Shift pay due:", "criteria": {"a": "$153.00", "b": "$171.00", "c": "$180.00", "d": "$243.00", "e": "$162.00"}, "src": "hard_temporal_numeric", "label": "b"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00076", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00076", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "shift", "overtime": true, "facts": {"kind": "shift", "start": "2026-05-03T08:00", "end": "2026-05-03T17:00", "break_min": 0, "rate_cents": 1800, "ot_after_h": 8, "options_q": {"pay": {"a": 15300, "b": 17100, "c": 18000, "d": 24300, "e": 16200}}}, "text_sha256": "36715fe1ffbd0b8818451c13afe14e7526eae097e0265c5f18b24fbd4747d5c2", "state_tokens": 82}}
{"state": "MEMO\nRe: Tenure\n\nEmployees are eligible for a sabbatical once they have completed 2 years of continuous employment with the company on the date they apply. Leila Whitfield applied for the sabbatical on 2027-01-22. Leila joined the company on 2026-03-27.\n\nLeila moved to the Identity team on 2026-06-27. Leila's manager supports the application.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "eligible": "Eligible for the sabbatical", "not_eligible": "Not yet eligible"}, "src": "hard_ambiguous", "label": "not_eligible"}}, "_meta": {"id": "hard-v1/ambiguous/development/00014", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00014", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "tenure", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "tenure", "insufficient_key": "not_enough_information", "params": {"years": 2, "apply": "2027-01-22", "hired": "2026-03-27", "moved": "2026-06-27"}, "deciding_present": true, "options_q": {"decision": {"not_enough_information": "not_enough_information", "eligible": "eligible", "not_eligible": "not_eligible"}}}, "text_sha256": "aaa9888f4fecc6a35fa001986a4446b3768841ab4043c3e8a617f359b0ec2913", "state_tokens": 105}}
{"state": "GROUP HEALTH CASH PLAN\nIssued by Cedar Benefits Services\nIn this policy, \"the Plan\" means Cedar Benefits Services and \"the Member\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Business day means Monday to Friday, excluding public holidays.\n(2) Dependant means the Member's spouse or partner, or a child under 21 who is enrolled in the plan.\n(3) Family means the Member's spouse or partner and any children who live with the Member.\n(4) Frames means spectacle frames bought without new lenses.\n(5) Hearing accessories means batteries, chargers and cleaning kits.\n(6) Hearing aid replacement period means 24 months from the purchase of hearing aids funded by the plan.\n(7) Incident means a single event, or a series of events arising from one cause.\n(8) Major restorative work means crowns, bridges, root canal treatment and implants.\n(9) Massage therapy means sports massage, massage therapy and reflexology.\n(10) Network provider means a practitioner or clinic that has an agreement with the Plan to provide treatment.\n(11) Orthodontics means braces and clear aligners.\n(12) Plan year means the twelve months starting on the Member's coverage start date.\n(13) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(14) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(15) Replacement period means 24 months from the date of the Member's last eyewear claim.\n(16) Schedule means the document issued with this policy that shows the Member's details, the covers the Member bought and any extensions.\n\n§ 2  Limits and deductible\n(1) Dental Care: limit $1,500 per treatment; deductible $50 per claim.\n(2) Vision Care: limit $500 per treatment; deductible $40 per claim.\n(3) Therapy Services: limit $1,500 per treatment; deductible $75 per claim.\n(4) Hearing Care: limit $1,000 per treatment; deductible $150 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the deductible is then deducted from the result.\n\n§ 3  Therapy Services\n(1) The Plan will reimburse physiotherapy, osteopathy and counselling provided by a registered practitioner.\n(2) The most the Plan will pay for Massage therapy under this section is $200 per treatment.\n(3) The Plan will not pay for treatment of an injury covered by workers' compensation.\n(4) The Plan will not pay for treatment by a practitioner who is not registered with the relevant professional body.\n\n§ 4  Vision Care\n(1) The Plan will reimburse eye tests and prescription eyewear.\n(2) The most the Plan will pay for Frames under this section is $150 per treatment.\n(3) The Plan will not pay for eyewear without prescription lenses.\n(4) The Plan will not pay for a further eyewear claim within the replacement period.\n\n§ 5  Optional cover: Hearing Care\n(1) The Plan will reimburse hearing tests and hearing aids.\n(2) This section applies only if it is shown as purchased in the Member's schedule.\n(3) The most the Plan will pay for Hearing accessories under this section is $100 per treatment.\n(4) The Plan will not pay for replacement hearing aids bought within the hearing aid replacement period.\n\n§ 6  Dental Care\n(1) The Plan will reimburse the cost of dental treatment provided by a licensed dentist.\n(2) No cover applies under this section to any treatment that happens within the first 90 days after the policy start date.\n(3) The most the Plan will pay for Major restorative work under this section is $750 per treatment.\n(4) The most the Plan will pay for Orthodontics under this section is $800 per treatment.\n(5) The Plan will not pay for treatment that is mainly cosmetic, such as whitening or veneers. This exclusion does not apply to treatment needed to repair damage caused by an accident.\n(6) The Plan will not pay for treatment by a provider outside the plan's network. This exclusion does not apply to emergency treatment for sudden severe pain.\n\n§ 7  General exclusions\n(1) The Plan will not pay for any deliberate or criminal act by the Member.\n(2) The Plan will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(3) The Plan will not pay for loss arising from a government order or sanction that prohibits the Plan from paying.\n(4) The Plan will not pay for any fraudulent claim or any claim supported by false documents.\n(5) The Plan will not pay for loss or damage caused by war, invasion, or civil war.\n(6) The Plan will not pay for loss caused by nuclear radiation or radioactive contamination.\n\n§ 8  Making a claim\n(1) The Member must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Plan may appoint a loss adjuster to investigate any claim.\n(3) The Member must notify the Plan of a claim within 21 days of the treatment. The Plan will not pay any claim notified after that time.\n\n§ 9  Arbitration\n(1) If the Plan accepts a claim but disagree with the Member about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Plan.\n\n§ 10  Inflation\n(1) The Plan may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Member's renewal documents; limits do not change during a policy period.\n\n§ 11  Compensation scheme\n(1) The Plan is covered by a financial services compensation scheme.\n(2) If the Plan cannot meet the Plan's obligations, the Member may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 12  Cooperation\n(1) The Member must give the Plan all the help and information the Plan reasonably need to settle a claim.\n(2) The Member must not admit liability or offer to settle any claim without the Plan's written permission.\n\n§ 13  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 14  Change of address\n(1) The Member must tell the Plan within 30 days if the Member changes the Member's address.\n(2) The Plan may change the premium or the terms from the date of the move.\n\n§ 15  Exchange of information\n(1) To prevent fraud, the Plan may check the details the Member gives against public records and industry databases.\n(2) The Plan may contact previous insurers to confirm the Member's claims history.\n\n§ 16  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Plan may charge the premium without the discount from that date.\n\n§ 17  Interest\n(1) The Plan will not pay interest on any claim payment unless the law requires it.\n\n§ 18  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 19  Communication\n(1) The Plan will communicate with the Member in English.\n(2) The Plan may record telephone calls for training and quality purposes.\n\n§ 20  Premium payment\n(1) The Member must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 7 days of its due date, the Plan may cancel the policy after giving notice.\n\n§ 21  Payment of claims\n(1) The Plan will pay claims by bank transfer to an account in the Member's name.\n(2) The Plan aims to pay accepted claims within 15 working days of receiving all the documents the Plan needs.\n\n§ 22  Changes in circumstances\n(1) The Member must tell the Plan as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Plan may then change the premium or the terms of this policy, or cancel it.\n\n§ 23  Customer support\n(1) The Plan's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Member can leave a message and the Plan will call back on the next working day.\n\n§ 24  Market conditions\n(1) If the replacement item is no longer available, the Plan will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 25  Duty of fair presentation\n(1) The Member must answer all questions the Plan asks honestly and to the best of the Member's knowledge.\n(2) If the Member gives incorrect information deliberately or recklessly, the Plan may treat this policy as if it never existed and keep the premium.\n(3) If the Member gives incorrect information carelessly, the Plan may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 26  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 27  Records and evidence\n(1) The Member should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Plan may base any settlement on the price of a comparable item.\n(3) The Plan may ask for evidence of how and when an item was acquired.\n\n§ 28  Eligibility\n(1) Employees who work at least 20 hours a week are eligible to join the plan from their first day of employment.\n(2) Contractors, agency workers and employees on unpaid leave of more than three months are not eligible.\n\n§ 29  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Plan may adjust the premium from the date of the change.\n\n§ 30  Salvage\n(1) When the Plan replaces an item, the damaged or recovered item becomes the Plan's property.\n(2) If stolen property is recovered after the Plan has paid a claim, the Member must tell the Plan and either return the payment or give the Plan the property.\n\n§ 31  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 32  Assignment\n(1) The Member cannot transfer the Member's interest in this policy to anyone else without the Plan's written consent.\n\n§ 33  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Plan will not pay the claim and all cover under this policy may be cancelled.\n(2) The Plan may share information with fraud prevention agencies and other insurers.\n\n§ 34  Waiver\n(1) If the Plan does not enforce any term of this policy, that does not mean the Plan has given up the right to enforce it later.\n\n§ 35  Recovery of costs\n(1) If the Plan pays a claim that is later found not to be covered, the Plan may ask the Member to repay the amount.\n\n§ 36  Cancellation\n(1) The Member can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Member can cancel at any time; the Plan will refund the premium for the unexpired period less an administration charge of $25.\n(3) The Plan can cancel this policy by giving the Member 30 days' written notice to the last address the Plan holds.\n\n§ 37  Automatic renewal\n(1) Unless the Member tells the Plan otherwise, this policy will renew automatically at the end of the policy period using the payment details the Plan holds.\n(2) The Member can switch off automatic renewal at any time by contacting the Plan's helpline.\n\n§ 38  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 39  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 40  Renewal\n(1) The Plan will write to the Member at least 21 days before the end of the policy period with the renewal terms.\n(2) The Plan is not obliged to offer renewal.\n\n§ 41  Leaving the plan\n(1) Cover ends on the day the Member's employment ends or the day the Member stops being eligible, whichever is earlier.\n(2) Claims for treatment received before cover ended may be submitted up to 90 days afterwards.\n\n=== CLAIM ===\nClaim summary: Diego Ivanova; policy D139095; policy start 14 January 2026; schedule covers Dental Care, Vision Care, Therapy Services, Hearing Care; extensions none. Section claimed: Dental Care, for a filling. Treatment date 8 November 2026; notified 22 November 2026; assessed loss $1,995. Facts: The dentist is not part of the plan's network. It was emergency treatment for sudden severe pain on a weekend. Diego's spouse is also enrolled in the plan. The provider issued an itemised invoice. Diego joined the company's finance team two years ago.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_limit": "Pay up to the Dental Care limit", "deny_cosmetic": "Decline under the cosmetic treatment exclusion (§ 6(5))", "pay_less_fee": "Pay the assessed loss less the deductible", "deny_out_of_network": "Decline under the out-of-network providers exclusion (§ 6(6))", "deny_late": "Decline: the claim was notified too late (§ 8(3))"}, "src": "hard_long_policy", "label": "pay_limit"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$1,995", "b": "$1,500", "c": "$1,945", "d": "$1,450", "e": "$700"}, "src": "hard_long_policy", "label": "d"}}, "_meta": {"id": "hard-v1/long_policy/development/00019", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00019", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "benefits", "target": "pay_limit", "category": "dental", "tempting": "out_of_network", "facts": {"domain": "benefits", "fee_order": "after", "notice_days": 21, "categories": {"dental": {"limit": 1500, "fee": 50, "waiting": 90, "purchased": true}, "vision": {"limit": 500, "fee": 40, "waiting": 0, "purchased": true}, "therapy": {"limit": 1500, "fee": 75, "waiting": 0, "purchased": true}, "hearing": {"limit": 1000, "fee": 150, "waiting": 0, "purchased": true}}, "classes": {"major": {"category": "dental", "cap": 750}, "ortho": {"category": "dental", "cap": 800}, "frames": {"category": "vision", "cap": 150}, "massage": {"category": "therapy", "cap": 200}, "accessories": {"category": "hearing", "cap": 100}}, "exclusions": [{"key": "cosmetic", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "out_of_network", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "non_prescription", "categories": ["vision"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "frequency", "categories": ["vision"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}, {"key": "work_injury", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unregistered", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "replacement", "categories": ["hearing"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}], "case": {"category": "dental", "item": "the filling", "item_class": null, "loss_cents": 199500, "start": "2026-01-14", "incident": "2026-11-08", "reported": "2026-11-22", "conditions": {"out_of_network": true}, "values": {}, "exceptions": {"out_of_network": true}}, "options_q": {"outcome": {"pay_limit": "pay_limit", "deny_cosmetic": "deny_cosmetic", "pay_less_fee": "pay_less_fee", "deny_out_of_network": "deny_out_of_network", "deny_late": "deny_late"}, "amount": {"a": 199500, "b": 150000, "c": 194500, "d": 145000, "e": 70000}}}, "text_sha256": "d8adc1632fef4b0e7d7dda525c764dfd9b5c83235ec0aed14a1814be92191bfe", "state_tokens": 3141}}
{"state": "MEMO\nRe: Alert precision\n\nA credit model flags loan applications. Historically, sixty percent of applications are going to default. When one of the applications is going to default, the system flags it ninety-five percent of the time.\n\nWhen one of the applications is not going to default, the system still flags it twenty percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that one of the applications that the system has flagged is actually going to default?", "criteria": {"a": "80.0%", "b": "95.0%", "c": "57.0%", "d": "87.7%", "e": "60.0%"}, "src": "hard_probability", "label": "d"}, "more_likely": {"type": "noul", "instructions": "Per the figures given, Is one of the applications that the system has flagged more likely than not to be going to default?", "src": "hard_probability", "label": true}}, "_meta": {"id": "hard-v1/probability/development/00078", "source": "hard_probability", "group_id": "hard-v1/probability/development/00078", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "bayes", "facts": {"kind": "bayes", "p": {"base": "60/100", "sens": "95/100", "fpr": "20/100"}, "options_q": {"value": {"a": 800, "b": 950, "c": 570, "d": 877, "e": 600}}, "qid2": "more_likely"}, "text_sha256": "2b74ae4f2b5df0d599138c74d3d42e2ceebccc8f0f57c73102c23a7a20204f42", "state_tokens": 71}}
{"state": "REVIEW REQUEST\nItem: Rule: a discount applies if the item is on clearance but not if it is the customer's birthday month. Facts: the item is on clearance; it is not true that it is the customer's birthday month; it is not true that the order ships to a domestic address. Does the discount apply?\nSubmitted result: Yes, the discount applies.", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}}, "_meta": {"id": "hard-v1/judge/development/00003", "source": "hard_judge", "group_id": "hard-v1/judge/development/00003", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "logic", "error": null, "facts": {"kind": "logic", "args": {"atoms": ["clearance", "birthday", "domestic"], "form": "and_not", "values": {"clearance": true, "birthday": false, "domestic": false}}, "proposed": true, "error": null}, "text_sha256": "2152283bf1755ddbceda06b9cf58c81cb0dc93d1858ef05b4ac5d880432e6518", "state_tokens": 77}}
{"state": "REVIEW REQUEST\nItem: An order has 7 notebooks at $41.53 each and 2 desk lamps at $114.85 each. A 10% discount applies to the whole order, and then 6% sales tax is added. What is the final total, to the nearest cent?\nSubmitted result: I think $496.47", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$499.59", "b": "$520.82", "c": "$386.90", "d": "$496.47", "e": "$468.37"}, "src": "hard_judge", "label": "d"}}, "_meta": {"id": "hard-v1/judge/development/00072", "source": "hard_judge", "group_id": "hard-v1/judge/development/00072", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "order", "error": null, "facts": {"kind": "order", "args": {"q1": 7, "p1": "4153/100", "q2": 2, "p2": "2297/20", "d": "1/10", "tax": "3/50"}, "dp": 2, "proposed": 49647, "error": null, "options_q": {"value": {"a": 49959, "b": 52082, "c": 38690, "d": 49647, "e": 46837}}}, "text_sha256": "51c5909f140213ffe3888ebcfd40af64ab20bd5f0f4217c7880174b8bf1028ca", "state_tokens": 81}}
{"state": "MEMO\nRe: Subscription cancellation\n\nA customer paid $4,800.99 for an annual plan running from 3 October 2025 up to (but not including) 3 October 2026. They cancelled on 24 June 2026. Refund rule: refund the annual price multiplied by the number of unused days and divided by the number of days in the plan year; the cancellation day counts as used. Round to the nearest cent.", "questions": {"refund": {"type": "choice", "instructions": "Refund due:", "criteria": {"a": "$1,600.33", "b": "$1,315.34", "c": "$1,328.49", "d": "$3,485.65", "e": "$1,311.75"}, "src": "hard_temporal_numeric", "label": "b"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00032", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00032", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "prorata", "leap": false, "facts": {"kind": "prorata", "start": "2025-10-03", "end": "2026-10-03", "cancel": "2026-06-24", "price_cents": 480099, "options_q": {"refund": {"a": 160033, "b": 131534, "c": 132849, "d": 348565, "e": 131175}}}, "text_sha256": "f55082d8647a80487b90468346f260b5343133522fd620773d6deb44511da7ed", "state_tokens": 103}}
{"state": "ELECTRONICS CARE PLAN\nIssued by Tessera Warranty Company\nIn this policy, \"the Provider\" means Tessera Warranty Company and \"the Customer\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Accessories means cases, chargers, earbuds and styluses.\n(2) Accessories means cases, chargers and earbuds.\n(3) Assessed loss means the cost of repair or replacement agreed by the Provider, before any service fee, limit or sublimit is applied.\n(4) Battery replacement means replacement batteries and battery repairs.\n(5) Business day means Monday to Friday, excluding public holidays.\n(6) Device means the item shown in the schedule, bought new from an authorised retailer.\n(7) Limit means the most the Provider will pay for all claims under a section arising from one incident.\n(8) Manufacturer's warranty period means the first 12 months after the device was bought.\n(9) Policy period means twelve months from the policy start date shown in the Customer's schedule.\n(10) Premium means the amount the Customer must pay for this policy, including any taxes.\n(11) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(12) Replacement device means a device of the same or similar specification, which may be refurbished.\n(13) Schedule means the document issued with this policy that shows the Customer's details, the covers the Customer bought and any extensions.\n(14) Wearables means smartwatches and fitness trackers.\n\n§ 2  Limits and service fee\n(1) Accidental Damage: limit $1,500 per incident; service fee $49 per claim.\n(2) Breakdown: limit $600 per incident; service fee $25 per claim.\n(3) Theft and Loss: limit $800 per incident; service fee $99 per claim.\n(4) The service fee is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Breakdown\n(1) The Provider will repair or replace the Customer's device if it stops working because of an electrical or mechanical fault.\n(2) No cover applies under this section to any incident that happens within the first 45 days after the policy start date.\n(3) The most the Provider will pay for Battery replacement under this section is $80 per incident.\n(4) The Provider will not pay for breakdowns during the manufacturer's warranty period.\n(5) The Provider will not pay for breakdown caused by liquid getting into the device.\n\n§ 4  Optional cover: Theft and Loss\n(1) The Provider will replace the Customer's device if it is stolen or lost.\n(2) This section applies only if it is shown as purchased in the Customer's schedule.\n(3) The most the Provider will pay for Accessories under this section is $100 per incident.\n(4) The Provider will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Provider will not pay for theft that was not reported to the police.\n\n§ 5  Accidental Damage\n(1) The Provider will repair or replace the Customer's device if it is accidentally damaged.\n(2) The most the Provider will pay for Accessories under this section is $100 per incident.\n(3) The most the Provider will pay for Wearables under this section is $250 per incident.\n(4) The Provider will not pay for cosmetic damage, such as scratches or dents, that does not affect how the device works.\n(5) The Provider will not pay for damage following a repair by anyone other than the Provider or an authorised repairer. This exclusion does not apply if the Provider approved the repair in writing beforehand.\n\n§ 6  General exclusions\n(1) The Provider will not pay for any fraudulent claim or any claim supported by false documents.\n(2) The Provider will not pay for loss or damage caused by war, invasion, or civil war.\n(3) The Provider will not pay for loss caused by nuclear radiation or radioactive contamination.\n(4) The Provider will not pay for loss arising from a government order or sanction that prohibits the Provider from paying.\n(5) The Provider will not pay for any deliberate or criminal act by the Customer.\n(6) The Provider will not pay for loss of value or loss of use that does not involve physical loss or damage.\n\n§ 7  Making a claim\n(1) The Provider may appoint a loss adjuster to investigate any claim.\n(2) The Customer must notify the Provider of a claim within 14 days of the incident. The Provider will not pay any claim notified after that time.\n(3) The Customer must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 8  Subrogation\n(1) The Provider will be entitled to take over and conduct in the Customer's name the defence or settlement of any claim.\n(2) The Provider can take action in the Customer's name to recover any payment the Provider makes from anyone responsible for the loss.\n\n§ 9  Market conditions\n(1) If the replacement item is no longer available, the Provider will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 10  Records and evidence\n(1) The Customer should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Provider may base any settlement on the price of a comparable item.\n(3) The Provider may ask for evidence of how and when an item was acquired.\n\n§ 11  Payment of claims\n(1) The Provider will pay claims by bank transfer to an account in the Customer's name.\n(2) The Provider aims to pay accepted claims within 15 working days of receiving all the documents the Provider needs.\n\n§ 12  Electronic documents\n(1) The Provider will send documents by email unless the Customer asks for paper copies.\n(2) The Customer must tell the Provider if the Customer's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 13  Inflation\n(1) The Provider may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Customer's renewal documents; limits do not change during a policy period.\n\n§ 14  Compensation scheme\n(1) The Provider is covered by a financial services compensation scheme.\n(2) If the Provider cannot meet the Provider's obligations, the Customer may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 15  Transferring the plan\n(1) The Customer may transfer the plan to a new owner of the device by telling the Provider in writing.\n(2) The remaining term of the plan transfers with the device; the term does not restart.\n\n§ 16  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 17  Salvage\n(1) When the Provider replaces an item, the damaged or recovered item becomes the Provider's property.\n(2) If stolen property is recovered after the Provider has paid a claim, the Customer must tell the Provider and either return the payment or give the Provider the property.\n\n§ 18  Waiver\n(1) If the Provider does not enforce any term of this policy, that does not mean the Provider has given up the right to enforce it later.\n\n§ 19  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Provider may adjust the premium from the date of the change.\n\n§ 20  Data and backups\n(1) The Provider is not responsible for recovering or restoring any data, software or settings stored on the Customer's device.\n(2) The Customer should back up the Customer's data regularly and before sending the device for repair.\n\n§ 21  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 22  Environmental commitment\n(1) Where practical, the Provider will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Customer may ask for a new part instead, and the Provider will tell the Customer whether any additional cost would apply.\n\n§ 23  Repair process\n(1) After a claim is accepted, the Provider will send a prepaid mailer or book a courier collection.\n(2) The Provider aims to return repaired devices within 15 business days of receiving them.\n\n§ 24  Software support\n(1) The Provider's helpline can give advice on setting up and using the Customer's device.\n(2) Software support does not include fixing problems caused by third-party apps or unofficial operating systems.\n\n§ 25  Sanctions\n(1) The Provider will not provide cover or pay any claim to the extent that doing so would expose the Provider to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 26  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Provider will pay only the Provider's proportionate share.\n(2) The Customer must tell the Provider about any other insurance that covers the same loss when the Customer makes a claim.\n\n§ 27  Recovery of costs\n(1) If the Provider pays a claim that is later found not to be covered, the Provider may ask the Customer to repay the amount.\n\n§ 28  Assignment\n(1) The Customer cannot transfer the Customer's interest in this policy to anyone else without the Provider's written consent.\n\n§ 29  Duty of fair presentation\n(1) The Customer must answer all questions the Provider asks honestly and to the best of the Customer's knowledge.\n(2) If the Customer gives incorrect information deliberately or recklessly, the Provider may treat this policy as if it never existed and keep the premium.\n(3) If the Customer gives incorrect information carelessly, the Provider may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 30  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 31  Data protection\n(1) The Provider will use the personal information the Customer provides to administer this policy and to handle claims.\n(2) The Provider will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Customer can ask for a copy of the personal information the Provider holds by writing to the Provider's data protection officer.\n\n§ 32  Arbitration\n(1) If the Provider accepts a claim but disagree with the Customer about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Provider.\n\n§ 33  Instalment agreements\n(1) If the Customer pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 34  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 35  Complaints\n(1) If the Customer has a complaint, the Customer should first contact the Provider's customer relations team, quoting the policy number.\n(2) The Provider will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Customer remains dissatisfied, the Customer may be able to refer the complaint to an independent ombudsman service.\n\n§ 36  Third-party administrators\n(1) The Provider may appoint another company to handle claims or other services on the Provider's behalf.\n(2) Any company the Provider appoints must follow the terms of this policy and applicable data protection law.\n\n§ 37  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 38  Premium payment\n(1) The Customer must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 21 days of its due date, the Provider may cancel the policy after giving notice.\n\n§ 39  Cancellation\n(1) The Customer can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Customer can cancel at any time; the Provider will refund the premium for the unexpired period less an administration charge of $30.\n(3) The Provider can cancel this policy by giving the Customer 30 days' written notice to the last address the Provider holds.\n\n§ 40  Automatic renewal\n(1) Unless the Customer tells the Provider otherwise, this policy will renew automatically at the end of the policy period using the payment details the Provider holds.\n(2) The Customer can switch off automatic renewal at any time by contacting the Provider's helpline.\n\n§ 41  Replacement devices\n(1) If the Provider cannot repair the Customer's device economically, the Provider will replace it with a replacement device.\n(2) Replacement devices may be a different colour and may be refurbished to an as-new standard.\n(3) Accessories are replaced only if they were lost or damaged in the same incident as the device.\n\n§ 42  Change of address\n(1) The Customer must tell the Provider within 30 days if the Customer changes the Customer's address.\n(2) The Provider may change the premium or the terms from the date of the move.\n\n§ 43  Claims documents\n(1) The Customer must provide, at the Customer's own expense, original receipts, invoices, reports and any other evidence the Provider reasonably ask for.\n(2) The Provider may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 44  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Provider will not pay the claim and all cover under this policy may be cancelled.\n(2) The Provider may share information with fraud prevention agencies and other insurers.\n\n§ 45  Cooperation\n(1) The Customer must give the Provider all the help and information the Provider reasonably need to settle a claim.\n(2) The Customer must not admit liability or offer to settle any claim without the Provider's written permission.\n\n§ 46  Changes in circumstances\n(1) The Customer must tell the Provider as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Provider may then change the premium or the terms of this policy, or cancel it.\n\n§ 47  Exchange of information\n(1) To prevent fraud, the Provider may check the details the Customer gives against public records and industry databases.\n(2) The Provider may contact previous insurers to confirm the Customer's claims history.\n\n§ 48  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 49  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 50  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 51  Notices\n(1) Any notice the Provider gives under this policy will be sent to the most recent postal or email address the Provider holds.\n(2) Notices from the Customer should be sent to the address shown in the schedule.\n\n§ 52  Unrecoverable devices\n(1) If a device is found after the Provider has replaced it, the found device becomes the Provider's property and must be sent to the Provider.\n(2) The Provider may block devices reported as lost or stolen so that they cannot be used on mobile networks.\n\n§ 53  Renewal\n(1) The Provider will write to the Customer at least 21 days before the end of the policy period with the renewal terms.\n(2) The Provider is not obliged to offer renewal.\n\n§ 54  Communication\n(1) The Provider will communicate with the Customer in English.\n(2) The Provider may record telephone calls for training and quality purposes.\n\n§ 55  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Provider may charge the premium without the discount from that date.\n\n=== CLAIM ===\nClaim summary: Kenji Reyes; policy P660749; policy start 5 April 2026; schedule covers Accidental Damage, Breakdown, Theft and Loss; extensions none. Section claimed: Breakdown, for a games console with a failed disc drive. Incident date 11 December 2026; notified 19 December 2026; assessed loss $765. Facts: The technician found no sign of liquid inside the device. The technician found a failed component on the main board. The device was bought 13 months before it broke down. The retailer's receipt was uploaded with the claim. Kenji uses the device mainly for work. The device is registered in Kenji's name.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_sublimit": "Pay up to the Battery replacement sublimit (§ 3(3))", "deny_manufacturer_warranty": "Decline under the manufacturer's warranty period exclusion (§ 3(4))", "deny_waiting": "Decline: the incident happened during the waiting period (§ 3(2))", "pay_limit": "Pay up to the Breakdown limit", "not_covered": "Decline: Breakdown is not a cover shown in the schedule"}, "src": "hard_long_policy", "label": "pay_limit"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$740", "b": "$765", "c": "$600", "d": "$55", "e": "$575"}, "src": "hard_long_policy", "label": "c"}}, "_meta": {"id": "hard-v1/long_policy/development/00031", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00031", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "device", "target": "pay_limit", "category": "breakdown", "tempting": "manufacturer_warranty", "facts": {"domain": "device", "fee_order": "before", "notice_days": 14, "categories": {"accidental_damage": {"limit": 1500, "fee": 49, "waiting": 0, "purchased": true}, "breakdown": {"limit": 600, "fee": 25, "waiting": 45, "purchased": true}, "theft_loss": {"limit": 800, "fee": 99, "waiting": 0, "purchased": true}}, "classes": {"accessories": {"category": "accidental_damage", "cap": 100}, "wearables": {"category": "accidental_damage", "cap": 250}, "battery": {"category": "breakdown", "cap": 80}, "accessories_tl": {"category": "theft_loss", "cap": 100}}, "exclusions": [{"key": "cosmetic_damage", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unauthorised_repair", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "manufacturer_warranty", "categories": ["breakdown"], "kind": "threshold", "thr": 12, "cmp": "lt", "has_exception": false}, {"key": "liquid", "categories": ["breakdown"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unattended", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "no_police_report", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "breakdown", "item": "the games console", "item_class": null, "loss_cents": 76500, "start": "2026-04-05", "incident": "2026-12-11", "reported": "2026-12-19", "conditions": {"liquid": false}, "values": {"manufacturer_warranty": 13}, "exceptions": {}}, "options_q": {"outcome": {"pay_sublimit": "pay_sublimit", "deny_manufacturer_warranty": "deny_manufacturer_warranty", "deny_waiting": "deny_waiting", "pay_limit": "pay_limit", "not_covered": "not_covered"}, "amount": {"a": 74000, "b": 76500, "c": 60000, "d": 5500, "e": 57500}}}, "text_sha256": "bfceddeefdaf25fadaf98f9a5a3e496e2e0dc3e35b956576ae695aa6f9b80a32", "state_tokens": 3984}}
{"state": "MEMO\nRe: Price match\n\nWe match a competitor's lower price for an identical item if the competitor has it in stock at the time of the request, but we never match a price more than 20% below ours. If the competitor's price is not lower, no adjustment is needed. Lotte Varga asked us to match Juniper Analytics's price for the same blender model. Our price is $661.00; Juniper Analytics lists it at $575.07.\n\nLotte is a returning customer.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"decline_match": "Decline the price match", "match_price": "Match the competitor's price", "no_adjustment": "No adjustment needed", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00093", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00092", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "price_match", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": false, "facts": {"scenario": "price_match", "insufficient_key": "not_enough_information", "params": {"ours_cents": 66100, "theirs_cents": 57507, "max_gap_pct": 20, "in_stock": null}, "deciding_present": false, "options_q": {"decision": {"decline_match": "decline_match", "match_price": "match_price", "no_adjustment": "no_adjustment", "not_enough_information": "not_enough_information"}}}, "text_sha256": "5dcc7c176cc5f169bece5905bbdb86dda0d45c09327271041f36682476350e7c", "state_tokens": 114}}
{"state": "REVIEW REQUEST\nItem: Posts are placed every 2 metres along a straight 58-metre fence, with a post at both ends. How many posts are needed?\nSubmitted result: 30 posts", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "29 posts", "b": "116 posts", "c": "31 posts", "d": "30 posts"}, "src": "hard_judge", "label": "d"}}, "_meta": {"id": "hard-v1/judge/development/00059", "source": "hard_judge", "group_id": "hard-v1/judge/development/00059", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "fence", "error": null, "facts": {"kind": "fence", "args": {"length": 58, "gap": 2}, "dp": 0, "proposed": 30, "error": null, "options_q": {"value": {"a": 29, "b": 116, "c": 31, "d": 30}}}, "text_sha256": "2466cfb0ac8bd4e0e56bdd0a894c6217ce4937b2634fa658e24942270535dc96", "state_tokens": 44}}
{"state": "GROUP HEALTH CASH PLAN\nIssued by Wellspring Benefits Administration\nIn this policy, \"the Plan\" means Wellspring Benefits Administration and \"the Member\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Plan, before any deductible, limit or sublimit is applied.\n(2) Business day means Monday to Friday, excluding public holidays.\n(3) Dependant means the Member's spouse or partner, or a child under 21 who is enrolled in the plan.\n(4) Family means the Member's spouse or partner and any children who live with the Member.\n(5) Frames means spectacle frames bought without new lenses.\n(6) Hearing accessories means batteries, chargers and cleaning kits.\n(7) Hearing aid replacement period means 24 months from the purchase of hearing aids funded by the plan.\n(8) Incident means a single event, or a series of events arising from one cause.\n(9) Limit means the most the Plan will pay for all claims under a section arising from one treatment.\n(10) Major restorative work means crowns, bridges, root canal treatment and implants.\n(11) Massage therapy means sports massage, massage therapy and reflexology.\n(12) Network provider means a practitioner or clinic that has an agreement with the Plan to provide treatment.\n(13) Orthodontics means braces and clear aligners.\n(14) Plan year means the twelve months starting on the Member's coverage start date.\n(15) Policy period means twelve months from the policy start date shown in the Member's schedule.\n(16) Premium means the amount the Member must pay for this policy, including any taxes.\n(17) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(18) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(19) Registered practitioner means a practitioner registered with the professional body for their discipline.\n(20) Replacement period means 12 months from the date of the Member's last eyewear claim.\n(21) Schedule means the document issued with this policy that shows the Member's details, the covers the Member bought and any extensions.\n\n§ 2  Limits and deductible\n(1) Dental Care: limit $1,500 per treatment; deductible $50 per claim.\n(2) Vision Care: limit $300 per treatment; deductible $25 per claim.\n(3) Therapy Services: limit $2,000 per treatment; deductible $75 per claim.\n(4) Hearing Care: limit $2,000 per treatment; deductible $100 per claim.\n(5) The deductible is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Sanctions\n(1) The Plan will not provide cover or pay any claim to the extent that doing so would expose the Plan to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 4  Cooperation\n(1) The Member must give the Plan all the help and information the Plan reasonably need to settle a claim.\n(2) The Member must not admit liability or offer to settle any claim without the Plan's written permission.\n\n§ 5  Vision Care\n(1) The Plan will reimburse eye tests and prescription eyewear.\n(2) The most the Plan will pay for Frames under this section is $120 per treatment.\n(3) The Plan will not pay for eyewear without prescription lenses.\n(4) The Plan will not pay for a further eyewear claim within the replacement period.\n\n§ 6  Waiver\n(1) If the Plan does not enforce any term of this policy, that does not mean the Plan has given up the right to enforce it later.\n\n§ 7  Changes in circumstances\n(1) The Member must tell the Plan as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Plan may then change the premium or the terms of this policy, or cancel it.\n\n§ 8  Automatic renewal\n(1) Unless the Member tells the Plan otherwise, this policy will renew automatically at the end of the policy period using the payment details the Plan holds.\n(2) The Member can switch off automatic renewal at any time by contacting the Plan's helpline.\n\n§ 9  Cancellation\n(1) The Member can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Member can cancel at any time; the Plan will refund the premium for the unexpired period less an administration charge of $30.\n(3) The Plan can cancel this policy by giving the Member 30 days' written notice to the last address the Plan holds.\n\n§ 10  Optional cover: Hearing Care\n(1) The Plan will reimburse hearing tests and hearing aids.\n(2) This section applies only if it is shown as purchased in the Member's schedule.\n(3) The most the Plan will pay for Hearing accessories under this section is $150 per treatment.\n(4) The Plan will not pay for replacement hearing aids bought within the hearing aid replacement period.\n\n§ 11  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 12  Interest\n(1) The Plan will not pay interest on any claim payment unless the law requires it.\n\n§ 13  Assignment\n(1) The Member cannot transfer the Member's interest in this policy to anyone else without the Plan's written consent.\n\n§ 14  Communication\n(1) The Plan will communicate with the Member in English.\n(2) The Plan may record telephone calls for training and quality purposes.\n\n§ 15  Premium payment\n(1) The Member must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 7 days of its due date, the Plan may cancel the policy after giving notice.\n\n§ 16  Instalment agreements\n(1) If the Member pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 17  Therapy Services\n(1) The Plan will reimburse physiotherapy, osteopathy and counselling provided by a registered practitioner.\n(2) The most the Plan will pay for Massage therapy under this section is $300 per treatment.\n(3) The Plan will not pay for treatment of an injury covered by workers' compensation.\n(4) The Plan will not pay for treatment by a practitioner who is not registered with the relevant professional body.\n\n§ 18  Complaints\n(1) If the Member has a complaint, the Member should first contact the Plan's customer relations team, quoting the policy number.\n(2) The Plan will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Member remains dissatisfied, the Member may be able to refer the complaint to an independent ombudsman service.\n\n§ 19  Reasonable precautions\n(1) The Member must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Member must take reasonable steps to recover lost or stolen property.\n\n§ 20  Dependants\n(1) The Member may enrol dependants at the start of each plan year or within 30 days of a qualifying life event.\n(2) Benefits paid for dependants count towards the same annual limits as the Member's own claims.\n\n§ 21  Dental Care\n(1) The Plan will reimburse the cost of dental treatment provided by a licensed dentist.\n(2) No cover applies under this section to any treatment that happens within the first 60 days after the policy start date.\n(3) The most the Plan will pay for Major restorative work under this section is $750 per treatment.\n(4) The most the Plan will pay for Orthodontics under this section is $800 per treatment.\n(5) The Plan will not pay for treatment that is mainly cosmetic, such as whitening or veneers. This exclusion does not apply to treatment needed to repair damage caused by an accident.\n(6) The Plan will not pay for treatment by a provider outside the plan's network. This exclusion does not apply to emergency treatment for sudden severe pain.\n\n§ 22  Claims documents\n(1) The Member must provide, at the Member's own expense, original receipts, invoices, reports and any other evidence the Plan reasonably ask for.\n(2) The Plan may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 23  Appeals\n(1) If the Plan declines all or part of a claim, the Member may appeal in writing within 60 days of the decision.\n(2) An appeal will be reviewed by someone who was not involved in the original decision.\n(3) The Plan will give the Member a written decision on the appeal within 30 days.\n\n§ 24  Notices\n(1) Any notice the Plan gives under this policy will be sent to the most recent postal or email address the Plan holds.\n(2) Notices from the Member should be sent to the address shown in the schedule.\n\n§ 25  Records and evidence\n(1) The Member should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Plan may base any settlement on the price of a comparable item.\n(3) The Plan may ask for evidence of how and when an item was acquired.\n\n§ 26  Wellness allowance\n(1) Each plan year the Member may claim up to $250 towards a gym membership or fitness class.\n(2) The wellness allowance is not subject to any deductible and does not count towards other limits.\n\n§ 27  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 28  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Plan will pay only the Plan's proportionate share.\n(2) The Member must tell the Plan about any other insurance that covers the same loss when the Member makes a claim.\n\n§ 29  Compensation scheme\n(1) The Plan is covered by a financial services compensation scheme.\n(2) If the Plan cannot meet the Plan's obligations, the Member may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 30  Subrogation\n(1) The Plan will be entitled to take over and conduct in the Member's name the defence or settlement of any claim.\n(2) The Plan can take action in the Member's name to recover any payment the Plan makes from anyone responsible for the loss.\n\n§ 31  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Plan will not pay the claim and all cover under this policy may be cancelled.\n(2) The Plan may share information with fraud prevention agencies and other insurers.\n\n§ 32  Recovery of costs\n(1) If the Plan pays a claim that is later found not to be covered, the Plan may ask the Member to repay the amount.\n\n§ 33  Leaving the plan\n(1) Cover ends on the day the Member's employment ends or the day the Member stops being eligible, whichever is earlier.\n(2) Claims for treatment received before cover ended may be submitted up to 90 days afterwards.\n\n§ 34  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 35  General exclusions\n(1) The Plan will not pay for any deliberate or criminal act by the Member.\n(2) The Plan will not pay for loss or damage caused by war, invasion, or civil war.\n(3) The Plan will not pay for loss arising from a government order or sanction that prohibits the Plan from paying.\n\n§ 36  Arbitration\n(1) If the Plan accepts a claim but disagree with the Member about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Plan.\n\n§ 37  Coordination of benefits\n(1) If a treatment is also covered by another plan, the Plan will pay only the part of the cost that the other plan does not pay.\n(2) The Member must tell the Plan about any other plan that covers the Member or the Member's dependants.\n\n§ 38  Data protection\n(1) The Plan will use the personal information the Member provides to administer this policy and to handle claims.\n(2) The Plan will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Member can ask for a copy of the personal information the Plan holds by writing to the Plan's data protection officer.\n\n§ 39  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 40  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 41  Environmental commitment\n(1) Where practical, the Plan will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Member may ask for a new part instead, and the Plan will tell the Member whether any additional cost would apply.\n\n§ 42  Third-party administrators\n(1) The Plan may appoint another company to handle claims or other services on the Plan's behalf.\n(2) Any company the Plan appoints must follow the terms of this policy and applicable data protection law.\n\n§ 43  Customer support\n(1) The Plan's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Member can leave a message and the Plan will call back on the next working day.\n\n§ 44  Electronic documents\n(1) The Plan will send documents by email unless the Member asks for paper copies.\n(2) The Member must tell the Plan if the Member's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 45  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 46  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 47  Duty of fair presentation\n(1) The Member must answer all questions the Plan asks honestly and to the best of the Member's knowledge.\n(2) If the Member gives incorrect information deliberately or recklessly, the Plan may treat this policy as if it never existed and keep the premium.\n(3) If the Member gives incorrect information carelessly, the Plan may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 48  Making a claim\n(1) The Plan may appoint a loss adjuster to investigate any claim.\n(2) The Member must notify the Plan of a claim within 30 days of the treatment. The Plan will not pay any claim notified after that time.\n(3) The Member must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 49  Exchange of information\n(1) To prevent fraud, the Plan may check the details the Member gives against public records and industry databases.\n(2) The Plan may contact previous insurers to confirm the Member's claims history.\n\n§ 50  Inflation\n(1) The Plan may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Member's renewal documents; limits do not change during a policy period.\n\n§ 51  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Plan may adjust the premium from the date of the change.\n\n§ 52  Payment of claims\n(1) The Plan will pay claims by bank transfer to an account in the Member's name.\n(2) The Plan aims to pay accepted claims within 10 working days of receiving all the documents the Plan needs.\n\n§ 53  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 54  Eligibility\n(1) Employees who work at least 20 hours a week are eligible to join the plan from their first day of employment.\n(2) Contractors, agency workers and employees on unpaid leave of more than three months are not eligible.\n\n§ 55  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 56  Change of address\n(1) The Member must tell the Plan within 30 days if the Member changes the Member's address.\n(2) The Plan may change the premium or the terms from the date of the move.\n\n§ 57  Renewal\n(1) The Plan will write to the Member at least 21 days before the end of the policy period with the renewal terms.\n(2) The Plan is not obliged to offer renewal.\n\n§ 58  Market conditions\n(1) If the replacement item is no longer available, the Plan will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 59  Salvage\n(1) When the Plan replaces an item, the damaged or recovered item becomes the Plan's property.\n(2) If stolen property is recovered after the Plan has paid a claim, the Member must tell the Plan and either return the payment or give the Plan the property.\n\n§ 60  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Plan may charge the premium without the discount from that date.\n\n=== CLAIM ===\nClaim summary: Lotte Sandoval; policy T672424; policy start 11 May 2026; schedule covers Dental Care, Vision Care, Therapy Services; extensions none. Section claimed: Hearing Care, for a pair of hearing aids. Treatment date 29 October 2026; notified 29 October 2026; assessed loss $1,648.25. Facts: An audiologist recommended the purchase after a hearing test. Lotte's previous plan-funded hearing aids were bought 28 months before this claim. Lotte submitted receipts through the benefits portal. The provider issued an itemised invoice. Lotte's spouse is also enrolled in the plan.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_sublimit": "Pay up to the Hearing accessories sublimit (§ 10(3))", "deny_waiting": "Decline: the treatment happened during the waiting period (§ 21(2))", "pay_less_fee": "Pay the assessed loss less the deductible", "not_covered": "Decline: Hearing Care is not a cover shown in the schedule", "deny_replacement": "Decline under the early replacement exclusion (§ 10(4))"}, "src": "hard_long_policy", "label": "not_covered"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$0", "b": "$2,000", "c": "$1,648.25", "d": "$50", "e": "$1,900"}, "src": "hard_long_policy", "label": "a"}}, "_meta": {"id": "hard-v1/long_policy/development/00053", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00053", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "benefits", "target": "not_covered", "category": "hearing", "tempting": "replacement", "facts": {"domain": "benefits", "fee_order": "before", "notice_days": 30, "categories": {"dental": {"limit": 1500, "fee": 50, "waiting": 60, "purchased": true}, "vision": {"limit": 300, "fee": 25, "waiting": 0, "purchased": true}, "therapy": {"limit": 2000, "fee": 75, "waiting": 0, "purchased": true}, "hearing": {"limit": 2000, "fee": 100, "waiting": 0, "purchased": false}}, "classes": {"major": {"category": "dental", "cap": 750}, "ortho": {"category": "dental", "cap": 800}, "frames": {"category": "vision", "cap": 120}, "massage": {"category": "therapy", "cap": 300}, "accessories": {"category": "hearing", "cap": 150}}, "exclusions": [{"key": "cosmetic", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "out_of_network", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "non_prescription", "categories": ["vision"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "frequency", "categories": ["vision"], "kind": "threshold", "thr": 12, "cmp": "lt", "has_exception": false}, {"key": "work_injury", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unregistered", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "replacement", "categories": ["hearing"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}], "case": {"category": "hearing", "item": "the hearing aids", "item_class": null, "loss_cents": 164825, "start": "2026-05-11", "incident": "2026-10-29", "reported": "2026-10-29", "conditions": {}, "values": {"replacement": 28}, "exceptions": {}}, "options_q": {"outcome": {"pay_sublimit": "pay_sublimit", "deny_waiting": "deny_waiting", "pay_less_fee": "pay_less_fee", "not_covered": "not_covered", "deny_replacement": "deny_replacement"}, "amount": {"a": 0, "b": 200000, "c": 164825, "d": 5000, "e": 190000}}}, "text_sha256": "6384ac8e07debef5a3e21a637f9993bdeba795dc51a7c16138a1669b3e6fa71f", "state_tokens": 4359}}
{"state": "SPEC SHEET: a managed database service for the orders system\nGranite DB | monthly cost=$1,500 | write latency=11 ms | recovery point objective=56 minutes | one-time setup fee=$20,500 | point-in-time recovery=no | multi-region replicas=yes\nLumen Data | monthly cost=$3,500 | write latency=4 ms | recovery point objective=15 minutes | one-time setup fee=$12,000 | point-in-time recovery=yes | multi-region replicas=yes\nWren Cloud SQL | monthly cost=$2,600 | write latency=34 ms | recovery point objective=1 minutes | one-time setup fee=$11,500 | point-in-time recovery=yes | multi-region replicas=no\nR1: it must offer point-in-time recovery\nSelection: Among the options that meet every requirement, choose the lowest total cost over 5 years: the one-time setup fee plus 5 years of the monthly cost.", "questions": {"choice": {"type": "choice", "instructions": "Which service best satisfies the brief?", "criteria": {"wren_cloud_sql": null, "lumen_data": null, "granite_db": null}, "src": "hard_tradeoff", "label": "wren_cloud_sql"}, "meets": {"type": "noul", "instructions": "Does Granite DB pass the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00084", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00084", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "tco", "context": "service", "none_case": false, "facts": {"rule": "tco", "options": {"Granite DB": {"cost": 1500, "latency": 11, "rpo": 56, "pitr": false, "multiregion": true, "setup": 20500}, "Lumen Data": {"cost": 3500, "latency": 4, "rpo": 15, "pitr": true, "multiregion": true, "setup": 12000}, "Wren Cloud SQL": {"cost": 2600, "latency": 34, "rpo": 1, "pitr": true, "multiregion": false, "setup": 11500}}, "constraints": [{"attr": "pitr", "op": "is", "value": true}], "priority": [], "weights": {}, "years": 5, "check": "Granite DB", "options_q": {"choice": {"wren_cloud_sql": "wren_cloud_sql", "lumen_data": "lumen_data", "granite_db": "granite_db"}}}, "text_sha256": "57deff0d4a27e3b599d4ae7d8c15c5d86896fd4f5eaef14c5787fa9bd1c1f811", "state_tokens": 210}}
{"state": "REVIEW REQUEST\nItem: A shop bought 373 units at $19.28 each and later 67 units at $10.42 each. What is the average cost per unit across all units bought, to the nearest cent?\nSubmitted result: Answer: $17.93", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$11.77", "b": "$3,944.79", "c": "$17.93", "d": "$14.85", "e": "$17.94"}, "src": "hard_judge", "label": "c"}}, "_meta": {"id": "hard-v1/judge/development/00064", "source": "hard_judge", "group_id": "hard-v1/judge/development/00064", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "wavg", "error": null, "facts": {"kind": "wavg", "args": {"n1": 373, "p1": "482/25", "n2": 67, "p2": "521/50"}, "dp": 2, "proposed": 1793, "error": null, "options_q": {"value": {"a": 1177, "b": 394479, "c": 1793, "d": 1485, "e": 1794}}}, "text_sha256": "df1ae8ac269b769bd731beac65a8de40eb1767a4f727406be9cbf9c21db4f791", "state_tokens": 66}}
{"state": "SPEC SHEET: a payment processor for the online store\nPaylane | fee per transaction=3.05% | payout delay=6 days | uptime commitment=99.70% | documentation score=5/10 | ease of integration score=7/10 | reliability score=10/10 | multi-currency settlement=no | a chargeback protection service=yes\nCoinbridge | fee per transaction=3.45% | payout delay=6 days | uptime commitment=99.87% | documentation score=4/10 | ease of integration score=3/10 | reliability score=5/10 | multi-currency settlement=no | a chargeback protection service=yes\nLedgerly | fee per transaction=2.60% | payout delay=1 days | uptime commitment=99.82% | documentation score=7/10 | ease of integration score=5/10 | reliability score=4/10 | multi-currency settlement=no | a chargeback protection service=yes\nR1: it must offer multi-currency settlement\nSelection: Each option has been scored from 1 to 10 on documentation, ease of integration and reliability (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 40% documentation, 35% ease of integration, 25% reliability.", "questions": {"choice": {"type": "choice", "instructions": "Which processor best satisfies the brief?", "criteria": {"ledgerly": null, "coinbridge": null, "none_qualifies": "None of the options meets every requirement", "paylane": null}, "src": "hard_tradeoff", "label": "none_qualifies"}, "meets": {"type": "noul", "instructions": "Does Ledgerly meet every hard requirement?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00080", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00080", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "processor", "none_case": true, "facts": {"rule": "weighted", "options": {"Paylane": {"cost": 305, "payout": 6, "uptime": 9970, "multicurrency": false, "disputes": true, "documentation": 5, "ease of integration": 7, "reliability": 10}, "Coinbridge": {"cost": 345, "payout": 6, "uptime": 9987, "multicurrency": false, "disputes": true, "documentation": 4, "ease of integration": 3, "reliability": 5}, "Ledgerly": {"cost": 260, "payout": 1, "uptime": 9982, "multicurrency": false, "disputes": true, "documentation": 7, "ease of integration": 5, "reliability": 4}}, "constraints": [{"attr": "multicurrency", "op": "is", "value": true}], "priority": [], "weights": {"documentation": 40, "ease of integration": 35, "reliability": 25}, "years": null, "check": "Ledgerly", "options_q": {"choice": {"ledgerly": "ledgerly", "coinbridge": "coinbridge", "none_qualifies": "none_qualifies", "paylane": "paylane"}}}, "text_sha256": "d39547483976e10ef840422abd556ad6aa3f93aa60a6875483b7c4b0eea3ed67", "state_tokens": 292}}
{"state": "REVIEW REQUEST\nItem: Rule: a discount applies if the customer used a promo code and, in addition, either the customer is a loyalty member or it is the customer's birthday month. Facts: the customer used a promo code; the customer is a loyalty member; it is not true that it is the customer's birthday month. Does the discount apply?\nSubmitted result: No, the discount does not apply.", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}}, "_meta": {"id": "hard-v1/judge/development/00073", "source": "hard_judge", "group_id": "hard-v1/judge/development/00073", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "logic", "error": "logic", "facts": {"kind": "logic", "args": {"atoms": ["promo", "member", "birthday"], "form": "and_or", "values": {"promo": true, "member": true, "birthday": false}}, "proposed": false, "error": "logic"}, "text_sha256": "20c5d5c2227a50399071ebe24df0b1c1f99265615c086248c912ab67db446db8", "state_tokens": 85}}
{"state": "SPEC SHEET: a CI/CD provider for the platform team\nForge Runner | monthly cost=$1,525 | median build time=33 minutes | parallel jobs=44 jobs | one-time setup fee=$15,500 | self-hosted runners=yes | SSO login=no\nBuildkite Lite | monthly cost=$1,050 | median build time=30 minutes | parallel jobs=20 jobs | one-time setup fee=$2,000 | self-hosted runners=yes | SSO login=yes\nTessel Build | monthly cost=$1,525 | median build time=30 minutes | parallel jobs=16 jobs | one-time setup fee=$3,000 | self-hosted runners=yes | SSO login=yes\nR1: its median build time must be at most 29 minutes\nR2: it must offer self-hosted runners\nSelection: Among the options that meet every requirement, choose the lowest total cost over 3 years: the one-time setup fee plus 3 years of the monthly cost.", "questions": {"choice": {"type": "choice", "instructions": "Which provider best satisfies the brief?", "criteria": {"tessel_build": null, "forge_runner": null, "none_qualifies": "None of the options meets every requirement", "buildkite_lite": null}, "src": "hard_tradeoff", "label": "none_qualifies"}, "meets": {"type": "noul", "instructions": "Does Forge Runner meet every hard requirement?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00035", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00035", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "tco", "context": "provider", "none_case": true, "facts": {"rule": "tco", "options": {"Forge Runner": {"cost": 1525, "build": 33, "concurrency": 44, "selfhosted": true, "sso": false, "setup": 15500}, "Buildkite Lite": {"cost": 1050, "build": 30, "concurrency": 20, "selfhosted": true, "sso": true, "setup": 2000}, "Tessel Build": {"cost": 1525, "build": 30, "concurrency": 16, "selfhosted": true, "sso": true, "setup": 3000}}, "constraints": [{"attr": "build", "op": "<=", "value": 29}, {"attr": "selfhosted", "op": "is", "value": true}], "priority": [], "weights": {}, "years": 3, "check": "Forge Runner", "options_q": {"choice": {"tessel_build": "tessel_build", "forge_runner": "forge_runner", "none_qualifies": "none_qualifies", "buildkite_lite": "buildkite_lite"}}}, "text_sha256": "82b025ab7e5102d09750c6aed22d35f57efb991cce1e18ccfa7befec46dafd3b", "state_tokens": 225}}
{"state": "MEMO\nRe: Outage: cdn-edge\n\nOutages propagate along hard dependencies: if a service goes down, every service that depends on it, directly or through other hard dependencies, is affected. Soft dependencies do not propagate outages. checkout-web depends on geo-lookup. search-indexer depends on ledger-service.\n\ngeo-lookup depends on ledger-service. email-relay depends on inventory-db. fraud-scorer depends on email-relay.\n\npricing-engine depends on cdn-edge. cdn-edge depends on payments-gateway. inventory-db depends on pricing-engine.\n\ncdn-edge is currently down.", "questions": {"affected": {"type": "choice", "instructions": "Which of these will the outage reach?", "criteria": {"geo_lookup": null, "payments_gateway": null, "fraud_scorer": null, "search_indexer": null}, "src": "hard_multi_hop", "label": "fraud_scorer"}}, "_meta": {"id": "hard-v1/multi_hop/development/00087", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00087", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "deps", "hops": 4, "soft": false, "facts": {"kind": "deps", "edges": [["pricing-engine", "cdn-edge", false], ["inventory-db", "pricing-engine", false], ["email-relay", "inventory-db", false], ["fraud-scorer", "email-relay", false], ["cdn-edge", "payments-gateway", false], ["geo-lookup", "ledger-service", false], ["search-indexer", "ledger-service", false], ["checkout-web", "geo-lookup", false]], "down": "cdn-edge", "candidates": ["fraud-scorer", "payments-gateway", "search-indexer", "geo-lookup"], "options_q": {"affected": {"geo_lookup": "geo_lookup", "payments_gateway": "payments_gateway", "fraud_scorer": "fraud_scorer", "search_indexer": "search_indexer"}}}, "text_sha256": "90d9d79b27777b2f67e23f3e7c7336948f44c088c57f318e56c50a0b0343c80e", "state_tokens": 125}}
{"state": "GADGET COVER: TERMS AND CONDITIONS\nIssued by Voltguard Protection Ltd\nIn this policy, \"the Provider\" means Voltguard Protection Ltd and \"the Customer\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Accessories means cases, chargers, earbuds and styluses.\n(2) Policy period means twelve months from the policy start date shown in the Customer's schedule.\n(3) Wearables means smartwatches and fitness trackers.\n\n§ 2  Limits and service fee\n(1) Accidental Damage: limit $1,500 per incident; service fee $99 per claim.\n(2) Breakdown: limit $600 per incident; service fee $49 per claim.\n(3) Theft and Loss: limit $1,200 per incident; service fee $99 per claim.\n(4) Any limit or sublimit is applied to the assessed loss first, and the service fee is then deducted from the result.\n\n§ 3  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Provider will pay only the Provider's proportionate share.\n(2) The Customer must tell the Provider about any other insurance that covers the same loss when the Customer makes a claim.\n\n§ 4  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 5  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 6  Assignment\n(1) The Customer cannot transfer the Customer's interest in this policy to anyone else without the Provider's written consent.\n\n§ 7  Transferring the plan\n(1) The Customer may transfer the plan to a new owner of the device by telling the Provider in writing.\n(2) The remaining term of the plan transfers with the device; the term does not restart.\n\n§ 8  Accidental Damage\n(1) The Provider will repair or replace the Customer's device if it is accidentally damaged.\n(2) The most the Provider will pay for Accessories under this section is $100 per incident.\n(3) The most the Provider will pay for Wearables under this section is $250 per incident.\n(4) The Provider will not pay for cosmetic damage, such as scratches or dents, that does not affect how the device works.\n(5) The Provider will not pay for damage following a repair by anyone other than the Provider or an authorised repairer. This exclusion does not apply if the Provider approved the repair in writing beforehand.\n\n§ 9  Electronic documents\n(1) The Provider will send documents by email unless the Customer asks for paper copies.\n(2) The Customer must tell the Provider if the Customer's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 10  Reasonable precautions\n(1) The Customer must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Customer must take reasonable steps to recover lost or stolen property.\n\n§ 11  Waiver\n(1) If the Provider does not enforce any term of this policy, that does not mean the Provider has given up the right to enforce it later.\n\n§ 12  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 13  Sanctions\n(1) The Provider will not provide cover or pay any claim to the extent that doing so would expose the Provider to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 14  Notices\n(1) Any notice the Provider gives under this policy will be sent to the most recent postal or email address the Provider holds.\n(2) Notices from the Customer should be sent to the address shown in the schedule.\n\n§ 15  Unrecoverable devices\n(1) If a device is found after the Provider has replaced it, the found device becomes the Provider's property and must be sent to the Provider.\n(2) The Provider may block devices reported as lost or stolen so that they cannot be used on mobile networks.\n\n§ 16  Salvage\n(1) When the Provider replaces an item, the damaged or recovered item becomes the Provider's property.\n(2) If stolen property is recovered after the Provider has paid a claim, the Customer must tell the Provider and either return the payment or give the Provider the property.\n\n§ 17  General exclusions\n(1) The Provider will not pay for loss or damage caused by war, invasion, or civil war.\n(2) The Provider will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(3) The Provider will not pay for loss arising from a government order or sanction that prohibits the Provider from paying.\n\n§ 18  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Provider will not pay the claim and all cover under this policy may be cancelled.\n(2) The Provider may share information with fraud prevention agencies and other insurers.\n\n§ 19  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 20  Inflation\n(1) The Provider may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Customer's renewal documents; limits do not change during a policy period.\n\n§ 21  Duty of fair presentation\n(1) The Customer must answer all questions the Provider asks honestly and to the best of the Customer's knowledge.\n(2) If the Customer gives incorrect information deliberately or recklessly, the Provider may treat this policy as if it never existed and keep the premium.\n(3) If the Customer gives incorrect information carelessly, the Provider may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 22  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Provider may charge the premium without the discount from that date.\n\n§ 23  Automatic renewal\n(1) Unless the Customer tells the Provider otherwise, this policy will renew automatically at the end of the policy period using the payment details the Provider holds.\n(2) The Customer can switch off automatic renewal at any time by contacting the Provider's helpline.\n\n§ 24  Software support\n(1) The Provider's helpline can give advice on setting up and using the Customer's device.\n(2) Software support does not include fixing problems caused by third-party apps or unofficial operating systems.\n\n§ 25  Data protection\n(1) The Provider will use the personal information the Customer provides to administer this policy and to handle claims.\n(2) The Provider will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Customer can ask for a copy of the personal information the Provider holds by writing to the Provider's data protection officer.\n\n§ 26  Making a claim\n(1) The Provider may appoint a loss adjuster to investigate any claim.\n(2) The Customer must notify the Provider of a claim within 30 days of the incident. The Provider will not pay any claim notified after that time.\n(3) The Customer must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 27  Payment of claims\n(1) The Provider will pay claims by bank transfer to an account in the Customer's name.\n(2) The Provider aims to pay accepted claims within 10 working days of receiving all the documents the Provider needs.\n\n§ 28  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 29  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 30  Change of address\n(1) The Customer must tell the Provider within 30 days if the Customer changes the Customer's address.\n(2) The Provider may change the premium or the terms from the date of the move.\n\n§ 31  Interest\n(1) The Provider will not pay interest on any claim payment unless the law requires it.\n\n=== CLAIM ===\nClaim summary: Kofi Sato; policy T752394; policy start 9 February 2026; schedule covers Accidental Damage, Breakdown; extensions none. Section claimed: Accidental Damage, for a tablet. Incident date 23 August 2026; notified 24 September 2026; assessed loss $844. Facts: The tablet had previously been opened by an independent repair shop. The provider had approved that repair in writing before it was carried out. Kofi uses the device mainly for work.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_sublimit": "Pay up to the Accessories sublimit (§ 8(2))", "not_covered": "Decline: Accidental Damage is not a cover shown in the schedule", "deny_cosmetic_damage": "Decline under the cosmetic damage exclusion (§ 8(4))", "deny_unauthorised_repair": "Decline under the unauthorised repairs exclusion (§ 8(5))", "deny_late": "Decline: the claim was notified too late (§ 26(2))"}, "src": "hard_long_policy", "label": "deny_late"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$844", "b": "$1,401", "c": "$745", "d": "$0", "e": "$1"}, "src": "hard_long_policy", "label": "d"}}, "_meta": {"id": "hard-v1/long_policy/development/00057", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00057", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "device", "target": "deny_late", "category": "accidental_damage", "tempting": "unauthorised_repair", "facts": {"domain": "device", "fee_order": "after", "notice_days": 30, "categories": {"accidental_damage": {"limit": 1500, "fee": 99, "waiting": 0, "purchased": true}, "breakdown": {"limit": 600, "fee": 49, "waiting": 45, "purchased": true}, "theft_loss": {"limit": 1200, "fee": 99, "waiting": 0, "purchased": false}}, "classes": {"accessories": {"category": "accidental_damage", "cap": 100}, "wearables": {"category": "accidental_damage", "cap": 250}, "battery": {"category": "breakdown", "cap": 120}, "accessories_tl": {"category": "theft_loss", "cap": 100}}, "exclusions": [{"key": "cosmetic_damage", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unauthorised_repair", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "manufacturer_warranty", "categories": ["breakdown"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}, {"key": "liquid", "categories": ["breakdown"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unattended", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "no_police_report", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "accidental_damage", "item": "the tablet", "item_class": null, "loss_cents": 84400, "start": "2026-02-09", "incident": "2026-08-23", "reported": "2026-09-24", "conditions": {"unauthorised_repair": true}, "values": {}, "exceptions": {"unauthorised_repair": true}}, "options_q": {"outcome": {"pay_sublimit": "pay_sublimit", "not_covered": "not_covered", "deny_cosmetic_damage": "deny_cosmetic_damage", "deny_unauthorised_repair": "deny_unauthorised_repair", "deny_late": "deny_late"}, "amount": {"a": 84400, "b": 140100, "c": 74500, "d": 0, "e": 100}}}, "text_sha256": "556751b51dd9340c3acffd0008a4136f9029f3ef0607159d8fa1971fcda223ea", "state_tokens": 2088}}
{"state": "MEMO\nRe: Quarterly breakdown\n\nCounts of units inspected last week by shift and result: night shift: 384 defective, 380 passed. day shift: 181 defective, 297 passed.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, Among day shift records, what share were defective?", "criteria": {"a": "45.5%", "b": "37.9%", "c": "38.5%", "d": "14.6%", "e": "32.0%"}, "src": "hard_probability", "label": "b"}}, "_meta": {"id": "hard-v1/probability/development/00028", "source": "hard_probability", "group_id": "hard-v1/probability/development/00028", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "table", "facts": {"kind": "table", "p": {}, "counts": {"night shift": {"defective": 384, "passed": 380}, "day shift": {"defective": 181, "passed": 297}}, "row": "day shift", "col": "defective", "ask": "col_given_row", "options_q": {"value": {"a": 455, "b": 379, "c": 385, "d": 146, "e": 320}}}, "text_sha256": "bc1d26fa6c971ccc55aff3de668adb0788723a8d30ab71c6a24e03aa8e64eb63", "state_tokens": 49}}
{"state": "MEMO\nRe: Tenure\n\nEmployees are eligible for a sabbatical once they have completed 5 years of continuous employment with the company on the date they apply. Rosa Nguyen applied for the sabbatical on 6 April 2025. Rosa joined the company on 17 January 2022.\n\nRosa moved to the Storage team on 9 September 2023. Rosa's manager supports the application.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"eligible": "Eligible for the sabbatical", "not_eligible": "Not yet eligible", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "not_eligible"}}, "_meta": {"id": "hard-v1/ambiguous/development/00074", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00074", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "tenure", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "tenure", "insufficient_key": "not_enough_information", "params": {"years": 5, "apply": "2025-04-06", "hired": "2022-01-17", "moved": "2023-09-09"}, "deciding_present": true, "options_q": {"decision": {"eligible": "eligible", "not_eligible": "not_eligible", "not_enough_information": "not_enough_information"}}}, "text_sha256": "b43eaaa6a03fd540e0659c97e0b6d24355416ee44e9b133a16cde64e7deface5", "state_tokens": 93}}
{"state": "MEMO\nRe: Shift pay check\n\nA warehouse worker clocked in at 18:00 on April 11, 2026 and clocked out at 07:00 the next day. They took a 30-minute unpaid break. The hourly rate is $16.50.\n\nPaid time beyond 8 hours in a shift is paid at 1.5 times the hourly rate.", "questions": {"pay": {"type": "choice", "instructions": "Shift pay due:", "criteria": {"a": "$243.38", "b": "$206.25", "c": "$309.38", "d": "$255.75", "e": "$214.50"}, "src": "hard_temporal_numeric", "label": "a"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00097", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00097", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "shift", "overtime": true, "facts": {"kind": "shift", "start": "2026-04-11T18:00", "end": "2026-04-12T07:00", "break_min": 30, "rate_cents": 1650, "ot_after_h": 8, "options_q": {"pay": {"a": 24338, "b": 20625, "c": 30938, "d": 25575, "e": 21450}}}, "text_sha256": "fbfc80789263478cbd8324defb56755d083aaf4b5ef9126305b4ea75b880b5d2", "state_tokens": 91}}
{"state": "MEMO\nRe: Comparing odds\n\nThere is a seventy-five percent chance that a new customer renews after the trial. There is a fifty percent chance that the ad campaign beats its target; these two are independent. There is a thirty-six percent chance that the supplier delivers on time.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which is more likely?", "criteria": {"equally_likely": "They are equally likely", "second_event": "That the supplier delivers on time", "first_event": "Both of these happen: a new customer renews after the trial, and the ad campaign beats its target"}, "src": "hard_probability", "label": "first_event"}}, "_meta": {"id": "hard-v1/probability/development/00081", "source": "hard_probability", "group_id": "hard-v1/probability/development/00081", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "compare", "facts": {"kind": "compare", "p": {}, "a": {"op": "and", "p1": "75/100", "p2": "50/100"}, "b": "9/25", "options_q": {"choice": {"equally_likely": "equally_likely", "second_event": "second_event", "first_event": "first_event"}}}, "text_sha256": "761002d59d43beb43f30b0d555cb85bf87ea4b14ba52b861d11ac6cfd1398e59", "state_tokens": 59}}
{"state": "REVIEW REQUEST\nItem: A shop bought 168 units at $24.42 each and later 42 units at $43.15 each. What is the average cost per unit across all units bought, to the nearest cent?\nSubmitted result: Pretty sure it's $28.17", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$28.17", "b": "$2,957.43", "c": "$33.79", "d": "$28.18", "e": "$39.40"}, "src": "hard_judge", "label": "a"}}, "_meta": {"id": "hard-v1/judge/development/00041", "source": "hard_judge", "group_id": "hard-v1/judge/development/00041", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "wavg", "error": null, "facts": {"kind": "wavg", "args": {"n1": 168, "p1": "1221/50", "n2": 42, "p2": "863/20"}, "dp": 2, "proposed": 2817, "error": null, "options_q": {"value": {"a": 2817, "b": 295743, "c": 3379, "d": 2818, "e": 3940}}}, "text_sha256": "b6b1b72881095c81dee2d9f332274bd83f67923346130821570991f0ce71a7f6", "state_tokens": 68}}
{"state": "REVIEW REQUEST\nItem: Convert 101 miles to kilometres (1 mile = 1.609344 km). Give the answer to one decimal place.\nSubmitted result: I think 1,625.4 kilometres", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "162.5 kilometres", "b": "62.8 kilometres", "c": "1,625.5 kilometres", "d": "163.5 kilometres", "e": "1,625.4 kilometres"}, "src": "hard_judge", "label": "a"}}, "_meta": {"id": "hard-v1/judge/development/00061", "source": "hard_judge", "group_id": "hard-v1/judge/development/00061", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "convert", "error": "missing_offset", "facts": {"kind": "convert", "args": {"x": "101", "factor": "25146/15625", "offset": 0}, "dp": 1, "proposed": 16254, "error": "missing_offset", "options_q": {"value": {"a": 1625, "b": 628, "c": 16255, "d": 1635, "e": 16254}}}, "text_sha256": "4bd55aac67e5ee7b3a0b99a5c49fcf7d88acc87c5e5ead1760b073602143b719", "state_tokens": 52}}
{"state": "MEMO\nRe: Comparing odds\n\nThere is a seventy percent chance that the shipment clears customs on the first day. There is a ninety percent chance that a new customer renews after the trial; these two are independent. There is a sixty percent chance that the audit finds no issues.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which is more likely?", "criteria": {"second_event": "That the audit finds no issues", "first_event": "Both of these happen: the shipment clears customs on the first day, and a new customer renews after the trial", "equally_likely": "They are equally likely"}, "src": "hard_probability", "label": "first_event"}}, "_meta": {"id": "hard-v1/probability/development/00095", "source": "hard_probability", "group_id": "hard-v1/probability/development/00095", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "compare", "facts": {"kind": "compare", "p": {}, "a": {"op": "and", "p1": "70/100", "p2": "90/100"}, "b": "3/5", "options_q": {"choice": {"second_event": "second_event", "first_event": "first_event", "equally_likely": "equally_likely"}}}, "text_sha256": "0773a86a1d1e417f2081d6b2dda4a174d58f011f77e6ac39bef9caa6d03d5426", "state_tokens": 59}}
{"state": "SPEC SHEET: a payment processor for the online store\nTillpoint | fee per transaction=2.55% | payout delay=1 days | uptime commitment=99.92% | multi-currency settlement=yes | a chargeback protection service=yes\nCoinbridge | fee per transaction=3.50% | payout delay=5 days | uptime commitment=99.61% | multi-currency settlement=no | a chargeback protection service=yes\nPaylane | fee per transaction=2.70% | payout delay=6 days | uptime commitment=99.95% | multi-currency settlement=yes | a chargeback protection service=yes\nSettle Pay | fee per transaction=2.00% | payout delay=1 days | uptime commitment=99.81% | multi-currency settlement=yes | a chargeback protection service=yes\nR1: it must offer a chargeback protection service\nR2: its fee per transaction must be at most 2.25%\nSelection: Among the options that meet every requirement, choose the one with the lowest payout delay; if two or more are tied on payout delay, choose the one with the lowest fee per transaction.", "questions": {"choice": {"type": "choice", "instructions": "Which processor best satisfies the brief?", "criteria": {"coinbridge": null, "paylane": null, "tillpoint": null, "settle_pay": null}, "src": "hard_tradeoff", "label": "settle_pay"}, "meets": {"type": "noul", "instructions": "Does Tillpoint meet every hard requirement?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00043", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00043", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "processor", "none_case": false, "facts": {"rule": "lex", "options": {"Tillpoint": {"cost": 255, "payout": 1, "uptime": 9992, "multicurrency": true, "disputes": true}, "Coinbridge": {"cost": 350, "payout": 5, "uptime": 9961, "multicurrency": false, "disputes": true}, "Paylane": {"cost": 270, "payout": 6, "uptime": 9995, "multicurrency": true, "disputes": true}, "Settle Pay": {"cost": 200, "payout": 1, "uptime": 9981, "multicurrency": true, "disputes": true}}, "constraints": [{"attr": "disputes", "op": "is", "value": true}, {"attr": "cost", "op": "<=", "value": 225}], "priority": [["payout", "lower"], ["cost", "lower"]], "weights": {}, "years": null, "check": "Tillpoint", "options_q": {"choice": {"coinbridge": "coinbridge", "paylane": "paylane", "tillpoint": "tillpoint", "settle_pay": "settle_pay"}}}, "text_sha256": "5970567922f2ee9cd42a9c1b6b8e15d905a17afbb6b669bf3d42e813d299f405", "state_tokens": 251}}
{"state": "MEMO\nRe: Complaint response deadline\n\nGranite Peak Software must answer every formal complaint within 12 business days of receiving it. Business days are Monday to Friday, excluding the public holidays listed here; the day the complaint is received does not count. Public holidays this year: Company Day (Friday 7 February 2025); Harvest Day (Monday 17 March 2025); Spring Holiday (Tuesday 18 March 2025); Heritage Day (Tuesday 15 April 2025).\n\nA complaint was received on Saturday 8 March 2025.", "questions": {"due": {"type": "choice", "instructions": "Compute the due date.", "criteria": {"a": "20 March 2025", "b": "26 March 2025", "c": "27 March 2025", "d": "28 March 2025", "e": "25 March 2025"}, "src": "hard_temporal_numeric", "label": "c"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00099", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00099", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "deadline", "facts": {"kind": "deadline", "received": "2025-03-08", "n": 12, "holidays": ["2025-02-07", "2025-03-17", "2025-03-18", "2025-04-15"], "options_q": {"due": {"a": "2025-03-20", "b": "2025-03-26", "c": "2025-03-27", "d": "2025-03-28", "e": "2025-03-25"}}}, "text_sha256": "236b2b704880e07fd6fbba7e39ed6f2fa60a638d9f18be06da1aca840af5e4db", "state_tokens": 128}}
{"state": "MEMO\nRe: Quarterly breakdown\n\nCounts of units inspected last week by shift and result: night shift: 166 defective, 360 passed. day shift: 248 defective, 253 passed.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, Among night shift records, what share were defective?", "criteria": {"a": "16.2%", "b": "40.1%", "c": "40.3%", "d": "51.2%", "e": "31.6%"}, "src": "hard_probability", "label": "e"}}, "_meta": {"id": "hard-v1/probability/development/00061", "source": "hard_probability", "group_id": "hard-v1/probability/development/00061", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "table", "facts": {"kind": "table", "p": {}, "counts": {"night shift": {"defective": 166, "passed": 360}, "day shift": {"defective": 248, "passed": 253}}, "row": "night shift", "col": "defective", "ask": "col_given_row", "options_q": {"value": {"a": 162, "b": 401, "c": 403, "d": 512, "e": 316}}}, "text_sha256": "6efe868be12fe102cfe10819c357c01b94aeda6b767e835ce62d2083e883d02b", "state_tokens": 49}}
{"state": "REVIEW REQUEST\nItem: Convert 35 degrees Celsius to degrees Fahrenheit (F = C x 9/5 + 32). Give the answer to one decimal place.\nSubmitted result: Answer: 63.0 degrees Fahrenheit", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "950.0 degrees Fahrenheit", "b": "51.4 degrees Fahrenheit", "c": "63.0 degrees Fahrenheit", "d": "95.0 degrees Fahrenheit", "e": "120.6 degrees Fahrenheit"}, "src": "hard_judge", "label": "d"}}, "_meta": {"id": "hard-v1/judge/development/00077", "source": "hard_judge", "group_id": "hard-v1/judge/development/00077", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "convert", "error": "missing_offset", "facts": {"kind": "convert", "args": {"x": "35", "factor": "9/5", "offset": 32}, "dp": 1, "proposed": 630, "error": "missing_offset", "options_q": {"value": {"a": 9500, "b": 514, "c": 630, "d": 950, "e": 1206}}}, "text_sha256": "fd518fa0f1f43fab7c54d12a7b10fd9b41b0d12d94a94ab00aec557633e4e17a", "state_tokens": 50}}
{"state": "MEMO\nRe: Shipping\n\nOrders ship free when the order total after all discounts is at least $150.00; otherwise the standard shipping fee applies. Bram Brennan's basket totals $168.95 before discounts. The basket contains three items from the same warehouse.\n\nBram chose standard delivery.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"standard_shipping": "Charge the standard shipping fee", "not_enough_information": "The information given is not enough to decide", "free_shipping": "Ship the order free"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00023", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00022", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "shipping", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": false, "facts": {"scenario": "shipping", "insufficient_key": "not_enough_information", "params": {"threshold_cents": 15000, "subtotal_cents": 16895, "discount_cents": null}, "deciding_present": false, "options_q": {"decision": {"standard_shipping": "standard_shipping", "not_enough_information": "not_enough_information", "free_shipping": "free_shipping"}}}, "text_sha256": "41e4b071e6c143b04b6ba7bab991932dc4f19bd7071664dce155086e2338ae85", "state_tokens": 67}}
{"state": "MEMO\nRe: Project funding decision\n\nThe planning team must fund exactly one of 4 projects and wants the highest expected net value (expected payoff minus up-front cost). Project Atlas costs $40,000 up front and has a sixty percent chance of a gain of $820,000; a forty percent chance of a gain of $780,000. Project Cedar costs $50,000 up front and has a fifty-five percent chance of a gain of $800,000; a forty-five percent chance of a gain of $390,000.\n\nProject Fjord costs $100,000 up front and has a fifteen percent chance of a gain of $850,000; a five percent chance of a gain of $460,000; a eighty percent chance of a gain of $370,000. Project Garnet costs $110,000 up front and has a twenty-five percent chance of a gain of $590,000; a sixty percent chance of a gain of $80,000; a fifteen percent chance of a gain of $40,000.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which project has the highest expected net value?", "criteria": {"project_fjord": null, "project_atlas": null, "project_garnet": null, "project_cedar": null}, "src": "hard_probability", "label": "project_atlas"}, "value": {"type": "choice", "instructions": "Per the figures given, What is the expected net value of Project Fjord?", "criteria": {"a": "$750,000", "b": "$346,500", "c": "$446,500", "d": "$460,000", "e": "$246,500"}, "src": "hard_probability", "label": "b"}}, "_meta": {"id": "hard-v1/probability/development/00021", "source": "hard_probability", "group_id": "hard-v1/probability/development/00021", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "ev", "facts": {"kind": "ev", "p": {}, "projects": {"Project Atlas": {"outcomes": [["60/100", 820000], ["40/100", 780000]], "cost": 40000}, "Project Cedar": {"outcomes": [["55/100", 800000], ["45/100", 390000]], "cost": 50000}, "Project Fjord": {"outcomes": [["15/100", 850000], ["5/100", 460000], ["80/100", 370000]], "cost": 100000}, "Project Garnet": {"outcomes": [["25/100", 590000], ["60/100", 80000], ["15/100", 40000]], "cost": 110000}}, "asked": "Project Fjord", "options_q": {"choice": {"project_fjord": "project_fjord", "project_atlas": "project_atlas", "project_garnet": "project_garnet", "project_cedar": "project_cedar"}, "value": {"a": 750000, "b": 346500, "c": 446500, "d": 460000, "e": 246500}}}, "text_sha256": "fd2a80d3295c6b6a054c20d223bbb088f6ef9d1056892f41dcecff829761a1b9", "state_tokens": 267}}
{"state": "REVIEW REQUEST\nItem: Posts are placed every 4 metres along a straight 48-metre fence, with a post at both ends. How many posts are needed?\nSubmitted result: Answer: 13 posts", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "192 posts", "b": "12 posts", "c": "14 posts", "d": "13 posts"}, "src": "hard_judge", "label": "d"}}, "_meta": {"id": "hard-v1/judge/development/00098", "source": "hard_judge", "group_id": "hard-v1/judge/development/00098", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "fence", "error": null, "facts": {"kind": "fence", "args": {"length": 48, "gap": 4}, "dp": 0, "proposed": 13, "error": null, "options_q": {"value": {"a": 192, "b": 12, "c": 14, "d": 13}}}, "text_sha256": "8c45a6ddeb5d79c4d67a0f8520d791fd9511b44f37f54ca194ac3e8bc0767d5b", "state_tokens": 46}}
{"state": "REVIEW REQUEST\nItem: Machine A packs 109 boxes per hour and machine B packs 110 boxes per hour. Working together, how many hours do they need to pack 1,095 boxes? Give one decimal place.\nSubmitted result: 10.0 hours", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "20.0 hours", "b": "10.0 hours", "c": "5.0 hours", "d": "10.1 hours", "e": "6.0 hours"}, "src": "hard_judge", "label": "c"}}, "_meta": {"id": "hard-v1/judge/development/00058", "source": "hard_judge", "group_id": "hard-v1/judge/development/00058", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "rate", "error": "one_machine", "facts": {"kind": "rate", "args": {"items": 1095, "r1": 109, "r2": 110}, "dp": 1, "proposed": 100, "error": "one_machine", "options_q": {"value": {"a": 200, "b": 100, "c": 50, "d": 101, "e": 60}}}, "text_sha256": "c7be7569c7455b3556ebdb0a2deb2313766b9496cd5f132937aef263a32b9240", "state_tokens": 62}}
{"state": "MEMO\nRe: Return window\n\nReturns are accepted if the return request is made within 14 days of delivery. Elin Ueda ordered a standing desk on 2025-05-16. The desk was delivered on 2025-05-27.\n\nElin asked to return it on 2025-06-14. The desk is unused and in its original packaging.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "accept_return": "Accept the return", "reject_return": "Reject the return as outside the window"}, "src": "hard_ambiguous", "label": "reject_return"}}, "_meta": {"id": "hard-v1/ambiguous/development/00020", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00020", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "return_window", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "return_window", "insufficient_key": "not_enough_information", "params": {"window": 14, "order": "2025-05-16", "delivered": "2025-05-27", "request": "2025-06-14"}, "deciding_present": true, "options_q": {"decision": {"not_enough_information": "not_enough_information", "accept_return": "accept_return", "reject_return": "reject_return"}}}, "text_sha256": "23767599870fe96ce0c23d4cbb4cd659d68bad8079c7a0806d44c003be6da512", "state_tokens": 93}}
{"state": "MEMO\nRe: Reliability estimate\n\nA checkout succeeds only if all 3 independent steps succeed: the fraud check, the warehouse API, the courier booking. The fraud check succeeds ninety-seven percent of the time. The warehouse API succeeds eighty percent of the time.\n\nThe courier booking succeeds sixty percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that a checkout fails?", "criteria": {"a": "60.0%", "b": "46.6%", "c": "53.4%", "d": "0.2%", "e": "99.8%"}, "src": "hard_probability", "label": "c"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that a checkout fails?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 3}}, "_meta": {"id": "hard-v1/probability/development/00074", "source": "hard_probability", "group_id": "hard-v1/probability/development/00074", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "independent", "facts": {"kind": "independent", "p": {}, "ps": ["97/100", "80/100", "60/100"], "ask": "any_fail", "options_q": {"value": {"a": 600, "b": 466, "c": 534, "d": 2, "e": 998}}, "qid2": "bucket"}, "text_sha256": "ea9c94b7c1c532b55a811279fe73414ba1d1a89bc8a22a86f435b25f8737a31b", "state_tokens": 65}}
{"state": "SPEC SHEET: a managed database service for the orders system\nQuarry SQL | monthly cost=$2,200 | write latency=21 ms | recovery point objective=9 minutes | vendor stability score=7/10 | reliability score=7/10 | support quality score=6/10 | point-in-time recovery=yes | multi-region replicas=yes\nTideDB | monthly cost=$1,100 | write latency=4 ms | recovery point objective=8 minutes | vendor stability score=3/10 | reliability score=8/10 | support quality score=6/10 | point-in-time recovery=yes | multi-region replicas=yes\nPolar Store | monthly cost=$2,100 | write latency=26 ms | recovery point objective=19 minutes | vendor stability score=8/10 | reliability score=10/10 | support quality score=7/10 | point-in-time recovery=no | multi-region replicas=yes\nGranite DB | monthly cost=$1,400 | write latency=34 ms | recovery point objective=48 minutes | vendor stability score=6/10 | reliability score=7/10 | support quality score=8/10 | point-in-time recovery=yes | multi-region replicas=yes\nWren Cloud SQL | monthly cost=$1,300 | write latency=7 ms | recovery point objective=18 minutes | vendor stability score=5/10 | reliability score=8/10 | support quality score=9/10 | point-in-time recovery=yes | multi-region replicas=no\nR1: its recovery point objective must be at most 13 minutes\nSelection: Each option has been scored from 1 to 10 on vendor stability, reliability and support quality (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 60% vendor stability, 25% reliability, 15% support quality.", "questions": {"choice": {"type": "choice", "instructions": "Which service best satisfies the brief?", "criteria": {"granite_db": null, "polar_store": null, "tidedb": null, "wren_cloud_sql": null, "quarry_sql": null}, "src": "hard_tradeoff", "label": "quarry_sql"}, "meets": {"type": "noul", "instructions": "Is Polar Store compliant with all the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00011", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00011", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "service", "none_case": false, "facts": {"rule": "weighted", "options": {"Quarry SQL": {"cost": 2200, "latency": 21, "rpo": 9, "pitr": true, "multiregion": true, "vendor stability": 7, "reliability": 7, "support quality": 6}, "TideDB": {"cost": 1100, "latency": 4, "rpo": 8, "pitr": true, "multiregion": true, "vendor stability": 3, "reliability": 8, "support quality": 6}, "Polar Store": {"cost": 2100, "latency": 26, "rpo": 19, "pitr": false, "multiregion": true, "vendor stability": 8, "reliability": 10, "support quality": 7}, "Granite DB": {"cost": 1400, "latency": 34, "rpo": 48, "pitr": true, "multiregion": true, "vendor stability": 6, "reliability": 7, "support quality": 8}, "Wren Cloud SQL": {"cost": 1300, "latency": 7, "rpo": 18, "pitr": true, "multiregion": false, "vendor stability": 5, "reliability": 8, "support quality": 9}}, "constraints": [{"attr": "rpo", "op": "<=", "value": 13}], "priority": [], "weights": {"vendor stability": 60, "reliability": 25, "support quality": 15}, "years": null, "check": "Polar Store", "options_q": {"choice": {"granite_db": "granite_db", "polar_store": "polar_store", "tidedb": "tidedb", "wren_cloud_sql": "wren_cloud_sql", "quarry_sql": "quarry_sql"}}}, "text_sha256": "0411a7b3fb721a2ea0352ddcbaed5d069c574ab642fe70ff385ed703930baa97", "state_tokens": 415}}
{"state": "SPEC SHEET: a managed cloud provider for the analytics platform\nHalcyon Compute | monthly cost=$4,650 | p95 latency=110 ms | uptime commitment=99.54% | SOC 2 Type II report=yes | EU data residency=yes\nStratus Cloud | monthly cost=$1,850 | p95 latency=105 ms | uptime commitment=99.83% | SOC 2 Type II report=no | EU data residency=yes\nCorelink | monthly cost=$2,850 | p95 latency=85 ms | uptime commitment=99.75% | SOC 2 Type II report=no | EU data residency=yes\nBlueshift | monthly cost=$5,000 | p95 latency=80 ms | uptime commitment=99.64% | SOC 2 Type II report=yes | EU data residency=yes\nDriftnet | monthly cost=$4,750 | p95 latency=120 ms | uptime commitment=99.81% | SOC 2 Type II report=yes | EU data residency=no\nR1: its uptime commitment must be at least 99.81%\nR2: it must offer SOC 2 Type II report\nSelection: Among the options that meet every requirement, choose the one with the lowest monthly cost; if two or more are tied on monthly cost, choose the one with the lowest p95 latency.", "questions": {"choice": {"type": "choice", "instructions": "Which provider best satisfies the brief?", "criteria": {"corelink": null, "blueshift": null, "none_qualifies": "None of the options meets every requirement", "halcyon_compute": null, "stratus_cloud": null, "driftnet": null}, "src": "hard_tradeoff", "label": "driftnet"}, "meets": {"type": "noul", "instructions": "Does Blueshift pass the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00089", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00089", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "provider", "none_case": false, "facts": {"rule": "lex", "options": {"Halcyon Compute": {"cost": 4650, "latency": 110, "uptime": 9954, "soc2": true, "eu": true}, "Stratus Cloud": {"cost": 1850, "latency": 105, "uptime": 9983, "soc2": false, "eu": true}, "Corelink": {"cost": 2850, "latency": 85, "uptime": 9975, "soc2": false, "eu": true}, "Blueshift": {"cost": 5000, "latency": 80, "uptime": 9964, "soc2": true, "eu": true}, "Driftnet": {"cost": 4750, "latency": 120, "uptime": 9981, "soc2": true, "eu": false}}, "constraints": [{"attr": "uptime", "op": ">=", "value": 9981}, {"attr": "soc2", "op": "is", "value": true}], "priority": [["cost", "lower"], ["latency", "lower"]], "weights": {}, "years": null, "check": "Blueshift", "options_q": {"choice": {"corelink": "corelink", "blueshift": "blueshift", "none_qualifies": "none_qualifies", "halcyon_compute": "halcyon_compute", "stratus_cloud": "stratus_cloud", "driftnet": "driftnet"}}}, "text_sha256": "c0d632cae77a831c45cfa5b2453282273c8fda16128aac1217105df7d9e7da38", "state_tokens": 313}}
{"state": "MEMO\nRe: Shift pay check\n\nA warehouse worker clocked in at 06:00 on February 27, 2027 and clocked out at 16:00. They took a 60-minute unpaid break. The hourly rate is $24.00.\n\nPaid time beyond 8 hours in a shift is paid at 1.5 times the hourly rate.", "questions": {"pay": {"type": "choice", "instructions": "Shift pay due:", "criteria": {"a": "$324.00", "b": "$264.00", "c": "$216.00", "d": "$240.00", "e": "$228.00"}, "src": "hard_temporal_numeric", "label": "e"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00015", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00015", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "shift", "overtime": true, "facts": {"kind": "shift", "start": "2027-02-27T06:00", "end": "2027-02-27T16:00", "break_min": 60, "rate_cents": 2400, "ot_after_h": 8, "options_q": {"pay": {"a": 32400, "b": 26400, "c": 21600, "d": 24000, "e": 22800}}}, "text_sha256": "2a4d2c2616e23d74d0b528ab456205fc1660927c9cc1fb6448ef160e01e0dcc1", "state_tokens": 88}}
{"state": "MEMO\nRe: Complaint response deadline\n\nVantage Print must answer every formal complaint within 4 business days of receiving it. Business days are Monday to Friday, excluding the public holidays listed here; the day the complaint is received does not count. Public holidays this year: Harvest Day (Sunday 23 May 2027); Company Day (Thursday 10 June 2027); Founders' Day (Monday 14 June 2027); Civic Day (Sunday 11 July 2027).\n\nA complaint was received on Wednesday 9 June 2027.", "questions": {"due": {"type": "choice", "instructions": "Compute the due date.", "criteria": {"a": "15 June 2027", "b": "17 June 2027", "c": "13 June 2027", "d": "16 June 2027", "e": "18 June 2027"}, "src": "hard_temporal_numeric", "label": "b"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00090", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00090", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "deadline", "facts": {"kind": "deadline", "received": "2027-06-09", "n": 4, "holidays": ["2027-05-23", "2027-06-10", "2027-06-14", "2027-07-11"], "options_q": {"due": {"a": "2027-06-15", "b": "2027-06-17", "c": "2027-06-13", "d": "2027-06-16", "e": "2027-06-18"}}}, "text_sha256": "4a6d74e04c6550418515194e9e4fe25b49cac5a9becc2e835608500c53485a65", "state_tokens": 129}}
{"state": "MEMO\nRe: Quarterly breakdown\n\nCounts of store visitors last month by type and outcome: new: 125 converted, 98 did not convert. returning: 282 converted, 233 did not convert.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, Among records that were converted, what share came from returning?", "criteria": {"a": "55.1%", "b": "54.8%", "c": "69.8%", "d": "69.3%", "e": "38.2%"}, "src": "hard_probability", "label": "d"}}, "_meta": {"id": "hard-v1/probability/development/00044", "source": "hard_probability", "group_id": "hard-v1/probability/development/00044", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "table", "facts": {"kind": "table", "p": {}, "counts": {"new": {"converted": 125, "did not convert": 98}, "returning": {"converted": 282, "did not convert": 233}}, "row": "returning", "col": "converted", "ask": "row_given_col", "options_q": {"value": {"a": 551, "b": 548, "c": 698, "d": 693, "e": 382}}}, "text_sha256": "4c9cf0f9012bcdd30806a3ee4153a9e8c70ea6b52d9f7643f1ffcee5dcd4d0dc", "state_tokens": 50}}
{"state": "SPEC SHEET: an office lease for the new Leeds team\nStation House | monthly rent=$9,300 | average commute=53 minutes | capacity=78 desks | one-time setup fee=$2,000 | on-site parking=yes | step-free access=yes\nWellington Place | monthly rent=$12,700 | average commute=54 minutes | capacity=20 desks | one-time setup fee=$5,000 | on-site parking=no | step-free access=no\nPark Row | monthly rent=$7,200 | average commute=61 minutes | capacity=27 desks | one-time setup fee=$6,000 | on-site parking=yes | step-free access=no\nAlbion Court | monthly rent=$5,100 | average commute=24 minutes | capacity=25 desks | one-time setup fee=$5,500 | on-site parking=yes | step-free access=yes\nCanal Wharf | monthly rent=$13,600 | average commute=36 minutes | capacity=74 desks | one-time setup fee=$8,500 | on-site parking=no | step-free access=no\nR1: its average commute must be at most 57 minutes\nR2: it must offer on-site parking\nSelection: Among the options that meet every requirement, choose the lowest total cost over 3 years: the one-time setup fee plus 3 years of the monthly cost.", "questions": {"choice": {"type": "choice", "instructions": "Which office best satisfies the brief?", "criteria": {"station_house": null, "wellington_place": null, "park_row": null, "canal_wharf": null, "albion_court": null}, "src": "hard_tradeoff", "label": "albion_court"}, "meets": {"type": "noul", "instructions": "Does Wellington Place pass the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00078", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00078", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "tco", "context": "office", "none_case": false, "facts": {"rule": "tco", "options": {"Station House": {"cost": 9300, "commute": 53, "desks": 78, "parking": true, "access": true, "setup": 2000}, "Wellington Place": {"cost": 12700, "commute": 54, "desks": 20, "parking": false, "access": false, "setup": 5000}, "Park Row": {"cost": 7200, "commute": 61, "desks": 27, "parking": true, "access": false, "setup": 6000}, "Albion Court": {"cost": 5100, "commute": 24, "desks": 25, "parking": true, "access": true, "setup": 5500}, "Canal Wharf": {"cost": 13600, "commute": 36, "desks": 74, "parking": false, "access": false, "setup": 8500}}, "constraints": [{"attr": "commute", "op": "<=", "value": 57}, {"attr": "parking", "op": "is", "value": true}], "priority": [], "weights": {}, "years": 3, "check": "Wellington Place", "options_q": {"choice": {"station_house": "station_house", "wellington_place": "wellington_place", "park_row": "park_row", "canal_wharf": "canal_wharf", "albion_court": "albion_court"}}}, "text_sha256": "b5f30d203dec8522275efc5a1b1c3144b6b14573934862a71a40033aa3ccdd2d", "state_tokens": 309}}
{"state": "MEMO\nRe: Meeting across time zones\n\nA call is scheduled for Sunday, March 21, 11:00 AM Denver time. On that date Denver is on UTC-6 and Mumbai is on UTC+5:30. One attendee is in Mumbai.", "questions": {"local": {"type": "choice", "instructions": "Local start time in Mumbai:", "criteria": {"a": "Sunday, March 21, 11:30 PM", "b": "Monday, March 22, 10:30 PM", "c": "Sunday, March 21, 10:30 PM", "d": "Sunday, March 21, 9:30 PM", "e": "Saturday, March 20, 11:30 PM"}, "src": "hard_temporal_numeric", "label": "c"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00060", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00060", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "tz", "facts": {"kind": "tz", "start": "2027-03-21T11:00", "off_a": -6, "off_b": 5.5, "options_q": {"local": {"a": "2027-03-21T23:30", "b": "2027-03-22T22:30", "c": "2027-03-21T22:30", "d": "2027-03-21T21:30", "e": "2027-03-20T23:30"}}}, "text_sha256": "faae203ebb04aae347be9d6399a95d5d7c236aa6449df5891620bd7b01a3e8d5", "state_tokens": 58}}
{"state": "ELECTRONICS CARE PLAN\nIssued by Voltguard Protection Ltd\nIn this policy, \"the Provider\" means Voltguard Protection Ltd and \"the Customer\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Accessories means cases, chargers, earbuds and styluses.\n(2) Accessories means cases, chargers and earbuds.\n(3) Assessed loss means the cost of repair or replacement agreed by the Provider, before any service fee, limit or sublimit is applied.\n(4) Authorised repairer means a repairer approved in writing by the Provider.\n(5) Wearables means smartwatches and fitness trackers.\n\n§ 2  Limits and service fee\n(1) Accidental Damage: limit $1,500 per incident; service fee $49 per claim.\n(2) Breakdown: limit $1,000 per incident; service fee $25 per claim.\n(3) Theft and Loss: limit $800 per incident; service fee $99 per claim.\n(4) The service fee is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Interest\n(1) The Provider will not pay interest on any claim payment unless the law requires it.\n\n§ 4  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 5  Customer support\n(1) The Provider's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Customer can leave a message and the Provider will call back on the next working day.\n\n§ 6  Waiver\n(1) If the Provider does not enforce any term of this policy, that does not mean the Provider has given up the right to enforce it later.\n\n§ 7  Optional cover: Theft and Loss\n(1) The Provider will replace the Customer's device if it is stolen or lost.\n(2) This section applies only if it is shown as purchased in the Customer's schedule.\n(3) The most the Provider will pay for Accessories under this section is $100 per incident.\n(4) The Provider will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Provider will not pay for theft that was not reported to the police.\n\n§ 8  Accidental Damage\n(1) The Provider will repair or replace the Customer's device if it is accidentally damaged.\n(2) The most the Provider will pay for Accessories under this section is $100 per incident.\n(3) The most the Provider will pay for Wearables under this section is $250 per incident.\n(4) The Provider will not pay for cosmetic damage, such as scratches or dents, that does not affect how the device works.\n(5) The Provider will not pay for damage following a repair by anyone other than the Provider or an authorised repairer. This exclusion does not apply if the Provider approved the repair in writing beforehand.\n\n§ 9  General exclusions\n(1) The Provider will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(2) The Provider will not pay for loss caused by nuclear radiation or radioactive contamination.\n(3) The Provider will not pay for any fraudulent claim or any claim supported by false documents.\n\n§ 10  Data and backups\n(1) The Provider is not responsible for recovering or restoring any data, software or settings stored on the Customer's device.\n(2) The Customer should back up the Customer's data regularly and before sending the device for repair.\n\n§ 11  Subrogation\n(1) The Provider will be entitled to take over and conduct in the Customer's name the defence or settlement of any claim.\n(2) The Provider can take action in the Customer's name to recover any payment the Provider makes from anyone responsible for the loss.\n\n§ 12  Making a claim\n(1) The Customer must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Provider may appoint a loss adjuster to investigate any claim.\n(3) The Customer must notify the Provider of a claim within 14 days of the incident. The Provider will not pay any claim notified after that time.\n\n§ 13  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 14  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Provider may adjust the premium from the date of the change.\n\n§ 15  Premium payment\n(1) The Customer must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Provider may cancel the policy after giving notice.\n\n=== CLAIM ===\nClaim summary: Arjun Dubois; policy B644530; policy start 19 July 2026; schedule covers Accidental Damage, Breakdown; extensions none. Section claimed: Theft and Loss, for a smartphone. Incident date 20 October 2026; notified 31 October 2026; assessed loss $294. Facts: The car was locked and the smartphone was in the closed boot, out of sight. Arjun had left the smartphone in a parked car while visiting a museum. The retailer's receipt was uploaded with the claim. Arjun uses the device mainly for work. The device is registered in Arjun's name.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"not_covered": "Decline: Theft and Loss is not a cover shown in the schedule", "deny_unattended": "Decline under the unattended property exclusion (§ 7(4))", "pay_sublimit": "Pay up to the Accessories sublimit (§ 7(3))", "deny_no_police_report": "Decline under the unreported theft exclusion (§ 7(5))", "deny_late": "Decline: the claim was notified too late (§ 12(3))"}, "src": "hard_long_policy", "label": "not_covered"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$701", "b": "$1", "c": "$195", "d": "$0", "e": "$294"}, "src": "hard_long_policy", "label": "d"}}, "_meta": {"id": "hard-v1/long_policy/development/00061", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00061", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "device", "target": "not_covered", "category": "theft_loss", "tempting": "unattended", "facts": {"domain": "device", "fee_order": "before", "notice_days": 14, "categories": {"accidental_damage": {"limit": 1500, "fee": 49, "waiting": 0, "purchased": true}, "breakdown": {"limit": 1000, "fee": 25, "waiting": 45, "purchased": true}, "theft_loss": {"limit": 800, "fee": 99, "waiting": 0, "purchased": false}}, "classes": {"accessories": {"category": "accidental_damage", "cap": 100}, "wearables": {"category": "accidental_damage", "cap": 250}, "battery": {"category": "breakdown", "cap": 80}, "accessories_tl": {"category": "theft_loss", "cap": 100}}, "exclusions": [{"key": "cosmetic_damage", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unauthorised_repair", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "manufacturer_warranty", "categories": ["breakdown"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}, {"key": "liquid", "categories": ["breakdown"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unattended", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "no_police_report", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "theft_loss", "item": "the smartphone", "item_class": null, "loss_cents": 29400, "start": "2026-07-19", "incident": "2026-10-20", "reported": "2026-10-31", "conditions": {"unattended": true}, "values": {}, "exceptions": {"unattended": true}}, "options_q": {"outcome": {"not_covered": "not_covered", "deny_unattended": "deny_unattended", "pay_sublimit": "pay_sublimit", "deny_no_police_report": "deny_no_police_report", "deny_late": "deny_late"}, "amount": {"a": 70100, "b": 100, "c": 19500, "d": 0, "e": 29400}}}, "text_sha256": "efb2ef6fcb4d9c87d7ba5727a6b54f1bebc6d76ffed7047eb19a9598bf8db27d", "state_tokens": 1328}}
{"state": "REVIEW REQUEST\nItem: After a 40% discount, a jacket costs $195.60. What was the price before the discount, to the nearest cent?\nSubmitted result: Answer: $326.00", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$235.60", "b": "$326.01", "c": "$273.84", "d": "$117.36", "e": "$326.00"}, "src": "hard_judge", "label": "e"}}, "_meta": {"id": "hard-v1/judge/development/00076", "source": "hard_judge", "group_id": "hard-v1/judge/development/00076", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "reverse_pct", "error": null, "facts": {"kind": "reverse_pct", "args": {"after": "978/5", "p": "2/5"}, "dp": 2, "proposed": 32600, "error": null, "options_q": {"value": {"a": 23560, "b": 32601, "c": 27384, "d": 11736, "e": 32600}}}, "text_sha256": "8fbe7a2ecfccb96e05c35cc94f6741f8850d326906553786d8b9183eac4fbd20", "state_tokens": 51}}
{"state": "MEMO\nRe: Subscription cancellation\n\nA customer paid $3,650.00 for an annual plan running from 2 June 2025 up to (but not including) 2 June 2026. They cancelled on 15 September 2025. Refund rule: refund the annual price multiplied by the number of unused days and divided by the number of days in the plan year; the cancellation day counts as used. Round to the nearest cent.", "questions": {"refund": {"type": "choice", "instructions": "Refund due:", "criteria": {"a": "$2,582.92", "b": "$2,590.00", "c": "$2,737.50", "d": "$2,600.00", "e": "$1,060.00"}, "src": "hard_temporal_numeric", "label": "b"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00085", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00085", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "prorata", "leap": false, "facts": {"kind": "prorata", "start": "2025-06-02", "end": "2026-06-02", "cancel": "2025-09-15", "price_cents": 365000, "options_q": {"refund": {"a": 258292, "b": 259000, "c": 273750, "d": 260000, "e": 106000}}}, "text_sha256": "97461de6e6d4d9b538e7fc69d42909ff813d4b74f5d8b77668114ef38462d7c4", "state_tokens": 103}}
{"state": "REVIEW REQUEST\nItem: Monthly active users went from 1,766 to 1,065. What is the percentage change, to one decimal place (negative for a decrease)?\nSubmitted result: Final answer: 60.3%", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "-701.0%", "b": "-65.8%", "c": "-39.7%", "d": "39.7%", "e": "60.3%"}, "src": "hard_judge", "label": "c"}}, "_meta": {"id": "hard-v1/judge/development/00038", "source": "hard_judge", "group_id": "hard-v1/judge/development/00038", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "pct_change", "error": "ratio", "facts": {"kind": "pct_change", "args": {"old": 1766, "new": 1065}, "dp": 1, "proposed": 603, "error": "ratio", "options_q": {"value": {"a": -7010, "b": -658, "c": -397, "d": 397, "e": 603}}}, "text_sha256": "d20b4612930af2784fa43a8ba3cac6da1bed26605bb408481ff52d325b55d70e", "state_tokens": 54}}
{"state": "REVIEW REQUEST\nItem: An order has 4 notebooks at $44.49 each and 1 desk lamps at $32.92 each. A 10% discount applies to the whole order, and then 7% sales tax is added. What is the final total, to the nearest cent?\nSubmitted result: $214.94", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$214.94", "b": "$206.60", "c": "$204.55", "d": "$189.79", "e": "$203.08"}, "src": "hard_judge", "label": "e"}}, "_meta": {"id": "hard-v1/judge/development/00070", "source": "hard_judge", "group_id": "hard-v1/judge/development/00070", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "order", "error": "flat_discount", "facts": {"kind": "order", "args": {"q1": 4, "p1": "4449/100", "q2": 1, "p2": "823/25", "d": "1/10", "tax": "7/100"}, "dp": 2, "proposed": 21494, "error": "flat_discount", "options_q": {"value": {"a": 21494, "b": 20660, "c": 20455, "d": 18979, "e": 20308}}}, "text_sha256": "f77533f0edf8acc9957df2cc87e4559e4997355f5ce456b6fae8c60723667c9a", "state_tokens": 78}}
{"state": "MEMO\nRe: Return window\n\nReturns are accepted if the return request is made within 14 days of delivery. Wen Nakamura ordered a standing desk on 23 July 2026. The delivery date is not recorded on the order.\n\nWen asked to return it on 7 August 2026. The desk is unused and in its original packaging.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"reject_return": "Reject the return as outside the window", "not_enough_information": "The information given is not enough to decide", "accept_return": "Accept the return"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00079", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00078", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "return_window", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": true, "facts": {"scenario": "return_window", "insufficient_key": "not_enough_information", "params": {"window": 14, "order": "2026-07-23", "delivered": null, "request": "2026-08-07"}, "deciding_present": false, "options_q": {"decision": {"reject_return": "reject_return", "not_enough_information": "not_enough_information", "accept_return": "accept_return"}}}, "text_sha256": "5509164fe67c56c7547d96e2af5acaba477a07146d6f3cbc185f4421713a54bd", "state_tokens": 80}}
{"state": "REVIEW REQUEST\nItem: Posts are placed every 3 metres along a straight 114-metre fence, with a post at both ends. How many posts are needed?\nSubmitted result: Answer: 342 posts", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "38 posts", "b": "40 posts", "c": "343 posts", "d": "342 posts", "e": "39 posts"}, "src": "hard_judge", "label": "e"}}, "_meta": {"id": "hard-v1/judge/development/00087", "source": "hard_judge", "group_id": "hard-v1/judge/development/00087", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "fence", "error": "area_like", "facts": {"kind": "fence", "args": {"length": 114, "gap": 3}, "dp": 0, "proposed": 342, "error": "area_like", "options_q": {"value": {"a": 38, "b": 40, "c": 343, "d": 342, "e": 39}}}, "text_sha256": "18e62475d6cd8a431df37fe0557a838eebc421d890bf7339487bb8fb4f166658", "state_tokens": 48}}
{"state": "SPEC SHEET: a marketing agency for the spring campaign\nWildfern Agency | fee=$15,500 | lead time=11 weeks | portfolio rating=5/10 | B2B campaign experience=no | in-house video production=yes\nPaper Kite | fee=$27,000 | lead time=9 weeks | portfolio rating=7/10 | B2B campaign experience=no | in-house video production=no\nTallgrass Media | fee=$25,500 | lead time=11 weeks | portfolio rating=10/10 | B2B campaign experience=yes | in-house video production=no\nR1: its portfolio rating must be at least 7/10\nR2: it must offer in-house video production\nSelection: Among the options that meet every requirement, choose the one with the lowest fee; if two or more are tied on fee, choose the one with the lowest lead time.", "questions": {"choice": {"type": "choice", "instructions": "Which agency best satisfies the brief?", "criteria": {"wildfern_agency": null, "tallgrass_media": null, "none_qualifies": "Reject all options: none meets the requirements", "paper_kite": null}, "src": "hard_tradeoff", "label": "none_qualifies"}, "meets": {"type": "noul", "instructions": "Does Paper Kite meet every hard requirement?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00056", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00056", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "agency", "none_case": true, "facts": {"rule": "lex", "options": {"Wildfern Agency": {"cost": 15500, "lead": 11, "portfolio": 5, "b2b": false, "inhouse": true}, "Paper Kite": {"cost": 27000, "lead": 9, "portfolio": 7, "b2b": false, "inhouse": false}, "Tallgrass Media": {"cost": 25500, "lead": 11, "portfolio": 10, "b2b": true, "inhouse": false}}, "constraints": [{"attr": "portfolio", "op": ">=", "value": 7}, {"attr": "inhouse", "op": "is", "value": true}], "priority": [["cost", "lower"], ["lead", "lower"]], "weights": {}, "years": null, "check": "Paper Kite", "options_q": {"choice": {"wildfern_agency": "wildfern_agency", "tallgrass_media": "tallgrass_media", "none_qualifies": "none_qualifies", "paper_kite": "paper_kite"}}}, "text_sha256": "fe4262601b7207dc968b385ad33b6f5d42b5b4920e9df88134a80d7a140ea463", "state_tokens": 199}}
{"state": "GROUP HEALTH CASH PLAN\nIssued by Wellspring Benefits Administration\nIn this policy, \"the Plan\" means Wellspring Benefits Administration and \"the Member\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Business day means Monday to Friday, excluding public holidays.\n(2) Dependant means the Member's spouse or partner, or a child under 21 who is enrolled in the plan.\n(3) Family means the Member's spouse or partner and any children who live with the Member.\n(4) Frames means spectacle frames bought without new lenses.\n(5) Hearing accessories means batteries, chargers and cleaning kits.\n(6) Hearing aid replacement period means 24 months from the purchase of hearing aids funded by the plan.\n(7) Incident means a single event, or a series of events arising from one cause.\n(8) Limit means the most the Plan will pay for all claims under a section arising from one treatment.\n(9) Major restorative work means crowns, bridges, root canal treatment and implants.\n(10) Massage therapy means sports massage, massage therapy and reflexology.\n(11) Orthodontics means braces and clear aligners.\n(12) Plan year means the twelve months starting on the Member's coverage start date.\n(13) Policy period means twelve months from the policy start date shown in the Member's schedule.\n(14) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(15) Replacement period means 24 months from the date of the Member's last eyewear claim.\n(16) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n\n§ 2  Limits and deductible\n(1) Dental Care: limit $2,000 per treatment; deductible $50 per claim.\n(2) Vision Care: limit $300 per treatment; deductible $25 per claim.\n(3) Therapy Services: limit $1,000 per treatment; deductible $50 per claim.\n(4) Hearing Care: limit $2,000 per treatment; deductible $100 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the deductible is then deducted from the result.\n\n§ 3  Change of address\n(1) The Member must tell the Plan within 30 days if the Member changes the Member's address.\n(2) The Plan may change the premium or the terms from the date of the move.\n\n§ 4  Records and evidence\n(1) The Member should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Plan may base any settlement on the price of a comparable item.\n(3) The Plan may ask for evidence of how and when an item was acquired.\n\n§ 5  Data protection\n(1) The Plan will use the personal information the Member provides to administer this policy and to handle claims.\n(2) The Plan will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Member can ask for a copy of the personal information the Plan holds by writing to the Plan's data protection officer.\n\n§ 6  Sanctions\n(1) The Plan will not provide cover or pay any claim to the extent that doing so would expose the Plan to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 7  Exchange of information\n(1) To prevent fraud, the Plan may check the details the Member gives against public records and industry databases.\n(2) The Plan may contact previous insurers to confirm the Member's claims history.\n\n§ 8  Environmental commitment\n(1) Where practical, the Plan will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Member may ask for a new part instead, and the Plan will tell the Member whether any additional cost would apply.\n\n§ 9  Notices\n(1) Any notice the Plan gives under this policy will be sent to the most recent postal or email address the Plan holds.\n(2) Notices from the Member should be sent to the address shown in the schedule.\n\n§ 10  Salvage\n(1) When the Plan replaces an item, the damaged or recovered item becomes the Plan's property.\n(2) If stolen property is recovered after the Plan has paid a claim, the Member must tell the Plan and either return the payment or give the Plan the property.\n\n§ 11  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 12  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Plan will pay only the Plan's proportionate share.\n(2) The Member must tell the Plan about any other insurance that covers the same loss when the Member makes a claim.\n\n§ 13  Reasonable precautions\n(1) The Member must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Member must take reasonable steps to recover lost or stolen property.\n\n§ 14  Duty of fair presentation\n(1) The Member must answer all questions the Plan asks honestly and to the best of the Member's knowledge.\n(2) If the Member gives incorrect information deliberately or recklessly, the Plan may treat this policy as if it never existed and keep the premium.\n(3) If the Member gives incorrect information carelessly, the Plan may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 15  Therapy Services\n(1) The Plan will reimburse physiotherapy, osteopathy and counselling provided by a registered practitioner.\n(2) The most the Plan will pay for Massage therapy under this section is $300 per treatment.\n(3) The Plan will not pay for treatment of an injury covered by workers' compensation.\n(4) The Plan will not pay for treatment by a practitioner who is not registered with the relevant professional body.\n\n§ 16  Eligibility\n(1) Employees who work at least 20 hours a week are eligible to join the plan from their first day of employment.\n(2) Contractors, agency workers and employees on unpaid leave of more than three months are not eligible.\n\n§ 17  Customer support\n(1) The Plan's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Member can leave a message and the Plan will call back on the next working day.\n\n§ 18  Automatic renewal\n(1) Unless the Member tells the Plan otherwise, this policy will renew automatically at the end of the policy period using the payment details the Plan holds.\n(2) The Member can switch off automatic renewal at any time by contacting the Plan's helpline.\n\n§ 19  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 20  Payment of claims\n(1) The Plan will pay claims by bank transfer to an account in the Member's name.\n(2) The Plan aims to pay accepted claims within 15 working days of receiving all the documents the Plan needs.\n\n§ 21  Premium payment\n(1) The Member must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 7 days of its due date, the Plan may cancel the policy after giving notice.\n\n§ 22  Interest\n(1) The Plan will not pay interest on any claim payment unless the law requires it.\n\n§ 23  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 24  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 25  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 26  Complaints\n(1) If the Member has a complaint, the Member should first contact the Plan's customer relations team, quoting the policy number.\n(2) The Plan will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Member remains dissatisfied, the Member may be able to refer the complaint to an independent ombudsman service.\n\n§ 27  Optional cover: Hearing Care\n(1) The Plan will reimburse hearing tests and hearing aids.\n(2) This section applies only if it is shown as purchased in the Member's schedule.\n(3) The most the Plan will pay for Hearing accessories under this section is $100 per treatment.\n(4) The Plan will not pay for replacement hearing aids bought within the hearing aid replacement period.\n\n§ 28  Compensation scheme\n(1) The Plan is covered by a financial services compensation scheme.\n(2) If the Plan cannot meet the Plan's obligations, the Member may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 29  Vision Care\n(1) The Plan will reimburse eye tests and prescription eyewear.\n(2) The most the Plan will pay for Frames under this section is $150 per treatment.\n(3) The Plan will not pay for eyewear without prescription lenses.\n(4) The Plan will not pay for a further eyewear claim within the replacement period.\n\n§ 30  Cancellation\n(1) The Member can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Member can cancel at any time; the Plan will refund the premium for the unexpired period less an administration charge of $30.\n(3) The Plan can cancel this policy by giving the Member 30 days' written notice to the last address the Plan holds.\n\n§ 31  Waiver\n(1) If the Plan does not enforce any term of this policy, that does not mean the Plan has given up the right to enforce it later.\n\n§ 32  Dependants\n(1) The Member may enrol dependants at the start of each plan year or within 30 days of a qualifying life event.\n(2) Benefits paid for dependants count towards the same annual limits as the Member's own claims.\n\n§ 33  Recovery of costs\n(1) If the Plan pays a claim that is later found not to be covered, the Plan may ask the Member to repay the amount.\n\n§ 34  Claims documents\n(1) The Member must provide, at the Member's own expense, original receipts, invoices, reports and any other evidence the Plan reasonably ask for.\n(2) The Plan may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 35  Subrogation\n(1) The Plan will be entitled to take over and conduct in the Member's name the defence or settlement of any claim.\n(2) The Plan can take action in the Member's name to recover any payment the Plan makes from anyone responsible for the loss.\n\n§ 36  Assignment\n(1) The Member cannot transfer the Member's interest in this policy to anyone else without the Plan's written consent.\n\n§ 37  Coordination of benefits\n(1) If a treatment is also covered by another plan, the Plan will pay only the part of the cost that the other plan does not pay.\n(2) The Member must tell the Plan about any other plan that covers the Member or the Member's dependants.\n\n§ 38  Communication\n(1) The Plan will communicate with the Member in English.\n(2) The Plan may record telephone calls for training and quality purposes.\n\n§ 39  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Plan may adjust the premium from the date of the change.\n\n§ 40  Instalment agreements\n(1) If the Member pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 41  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 42  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Plan may charge the premium without the discount from that date.\n\n§ 43  Dental Care\n(1) The Plan will reimburse the cost of dental treatment provided by a licensed dentist.\n(2) No cover applies under this section to any treatment that happens within the first 90 days after the policy start date.\n(3) The most the Plan will pay for Major restorative work under this section is $750 per treatment.\n(4) The most the Plan will pay for Orthodontics under this section is $600 per treatment.\n(5) The Plan will not pay for treatment that is mainly cosmetic, such as whitening or veneers. This exclusion does not apply to treatment needed to repair damage caused by an accident.\n(6) The Plan will not pay for treatment by a provider outside the plan's network. This exclusion does not apply to emergency treatment for sudden severe pain.\n\n§ 44  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 45  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 46  General exclusions\n(1) The Plan will not pay for any fraudulent claim or any claim supported by false documents.\n(2) The Plan will not pay for loss or damage caused by war, invasion, or civil war.\n(3) The Plan will not pay for loss caused by nuclear radiation or radioactive contamination.\n\n§ 47  Changes in circumstances\n(1) The Member must tell the Plan as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Plan may then change the premium or the terms of this policy, or cancel it.\n\n§ 48  Making a claim\n(1) The Plan may appoint a loss adjuster to investigate any claim.\n(2) The Member must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Member must notify the Plan of a claim within 21 days of the treatment. The Plan will not pay any claim notified after that time.\n\n§ 49  Appeals\n(1) If the Plan declines all or part of a claim, the Member may appeal in writing within 60 days of the decision.\n(2) An appeal will be reviewed by someone who was not involved in the original decision.\n(3) The Plan will give the Member a written decision on the appeal within 30 days.\n\n§ 50  Inflation\n(1) The Plan may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Member's renewal documents; limits do not change during a policy period.\n\n§ 51  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Plan will not pay the claim and all cover under this policy may be cancelled.\n(2) The Plan may share information with fraud prevention agencies and other insurers.\n\n§ 52  Renewal\n(1) The Plan will write to the Member at least 21 days before the end of the policy period with the renewal terms.\n(2) The Plan is not obliged to offer renewal.\n\n§ 53  Third-party administrators\n(1) The Plan may appoint another company to handle claims or other services on the Plan's behalf.\n(2) Any company the Plan appoints must follow the terms of this policy and applicable data protection law.\n\n§ 54  Wellness allowance\n(1) Each plan year the Member may claim up to $100 towards a gym membership or fitness class.\n(2) The wellness allowance is not subject to any deductible and does not count towards other limits.\n\n§ 55  Market conditions\n(1) If the replacement item is no longer available, the Plan will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 56  Electronic documents\n(1) The Plan will send documents by email unless the Member asks for paper copies.\n(2) The Member must tell the Plan if the Member's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 57  Arbitration\n(1) If the Plan accepts a claim but disagree with the Member about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Plan.\n\n§ 58  Cooperation\n(1) The Member must give the Plan all the help and information the Plan reasonably need to settle a claim.\n(2) The Member must not admit liability or offer to settle any claim without the Plan's written permission.\n\n§ 59  Leaving the plan\n(1) Cover ends on the day the Member's employment ends or the day the Member stops being eligible, whichever is earlier.\n(2) Claims for treatment received before cover ended may be submitted up to 90 days afterwards.\n\n§ 60  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n=== CLAIM ===\nClaim summary: Greta Sato; policy P521529; policy start 19 January 2026; schedule covers Dental Care, Vision Care, Therapy Services; extensions none. Section claimed: Vision Care, for prescription glasses. Treatment date 23 February 2026; notified 14 March 2026; assessed loss $407.75. Facts: Greta's previous eyewear claim was 20 months before this one. Greta's spouse is also enrolled in the plan. Greta submitted receipts through the benefits portal. Greta joined the company's finance team two years ago.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_less_fee": "Pay the assessed loss less the deductible", "not_covered": "Decline: Vision Care is not a cover shown in the schedule", "pay_limit": "Pay up to the Vision Care limit", "deny_frequency": "Decline under the replacement frequency exclusion (§ 29(4))", "deny_waiting": "Decline: the treatment happened during the waiting period (§ 43(2))"}, "src": "hard_long_policy", "label": "deny_frequency"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$407.75", "b": "$0", "c": "$275", "d": "$300", "e": "$125"}, "src": "hard_long_policy", "label": "b"}}, "_meta": {"id": "hard-v1/long_policy/development/00049", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00049", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "benefits", "target": "deny_exclusion", "category": "vision", "tempting": null, "facts": {"domain": "benefits", "fee_order": "after", "notice_days": 21, "categories": {"dental": {"limit": 2000, "fee": 50, "waiting": 90, "purchased": true}, "vision": {"limit": 300, "fee": 25, "waiting": 0, "purchased": true}, "therapy": {"limit": 1000, "fee": 50, "waiting": 0, "purchased": true}, "hearing": {"limit": 2000, "fee": 100, "waiting": 0, "purchased": false}}, "classes": {"major": {"category": "dental", "cap": 750}, "ortho": {"category": "dental", "cap": 600}, "frames": {"category": "vision", "cap": 150}, "massage": {"category": "therapy", "cap": 300}, "accessories": {"category": "hearing", "cap": 100}}, "exclusions": [{"key": "cosmetic", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "out_of_network", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "non_prescription", "categories": ["vision"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "frequency", "categories": ["vision"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}, {"key": "work_injury", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unregistered", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "replacement", "categories": ["hearing"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}], "case": {"category": "vision", "item": "the glasses", "item_class": null, "loss_cents": 40775, "start": "2026-01-19", "incident": "2026-02-23", "reported": "2026-03-14", "conditions": {}, "values": {"frequency": 20}, "exceptions": {}}, "options_q": {"outcome": {"pay_less_fee": "pay_less_fee", "not_covered": "not_covered", "pay_limit": "pay_limit", "deny_frequency": "deny_frequency", "deny_waiting": "deny_waiting"}, "amount": {"a": 40775, "b": 0, "c": 27500, "d": 30000, "e": 12500}}}, "text_sha256": "100aaa2a602cf49037da36e7fe9c8fffd16437d333df1fe148bf7419b06ca8a6", "state_tokens": 4222}}
{"state": "MEMO\nRe: Price match\n\nWe match a competitor's lower price for an identical item if the competitor has it in stock at the time of the request, but we never match a price more than 15% below ours. If the competitor's price is not lower, no adjustment is needed. Tomas Nguyen asked us to match Umber Robotics's price for the same blender model. Our price is $263.00; Umber Robotics lists it at $283.00.\n\nTomas is a returning customer.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"no_adjustment": "No adjustment needed", "not_enough_information": "The information given is not enough to decide", "match_price": "Match the competitor's price", "decline_match": "Decline the price match"}, "src": "hard_ambiguous", "label": "no_adjustment"}}, "_meta": {"id": "hard-v1/ambiguous/development/00025", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00024", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "price_match", "twin": "absent", "absent_kind": "nondeciding", "explicit_unknown": false, "facts": {"scenario": "price_match", "insufficient_key": "not_enough_information", "params": {"ours_cents": 26300, "theirs_cents": 28300, "max_gap_pct": 15, "in_stock": null}, "deciding_present": false, "options_q": {"decision": {"no_adjustment": "no_adjustment", "not_enough_information": "not_enough_information", "match_price": "match_price", "decline_match": "decline_match"}}}, "text_sha256": "c335d9ba49ff1eeb2e754e44c57eeb2b0a6c558d714b13538e698890d4101397", "state_tokens": 112}}
{"state": "MEMO\nRe: Shipping\n\nOrders ship free when the order total after all discounts is at least $150.00; otherwise the standard shipping fee applies. Jonas Laine's basket totals $172.82 before discounts. A coupon was applied at checkout, but its value is not shown.\n\nThe basket contains three items from the same warehouse. Jonas chose standard delivery.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"standard_shipping": "Charge the standard shipping fee", "free_shipping": "Ship the order free", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00091", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00090", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "shipping", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": true, "facts": {"scenario": "shipping", "insufficient_key": "not_enough_information", "params": {"threshold_cents": 15000, "subtotal_cents": 17282, "discount_cents": null}, "deciding_present": false, "options_q": {"decision": {"standard_shipping": "standard_shipping", "free_shipping": "free_shipping", "not_enough_information": "not_enough_information"}}}, "text_sha256": "6d8dccbc92256b6eb9a30ac3c4b4d65ae83f7269ccd1795174ba05cfec411c6b", "state_tokens": 81}}
{"state": "MEMO\nRe: Shift pay check\n\nA warehouse worker clocked in at 20:30 on December 5, 2026 and clocked out at 04:30 the next day. They took a 30-minute unpaid break. The hourly rate is $19.25.\n\nPaid time beyond 8 hours in a shift is paid at 1.5 times the hourly rate.", "questions": {"pay": {"type": "choice", "instructions": "Shift pay due:", "criteria": {"a": "$125.13", "b": "$154.00", "c": "$216.56", "d": "$144.38"}, "src": "hard_temporal_numeric", "label": "d"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00035", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00035", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "shift", "overtime": false, "facts": {"kind": "shift", "start": "2026-12-05T20:30", "end": "2026-12-06T04:30", "break_min": 30, "rate_cents": 1925, "ot_after_h": 8, "options_q": {"pay": {"a": 12513, "b": 15400, "c": 21656, "d": 14438}}}, "text_sha256": "44fdbe207da6e278cfb394e6eab3ab530e322dfc6e2c87341da5d924be69cac5", "state_tokens": 90}}
{"state": "ANNUAL MULTI-TRIP TRAVEL COVER\nIssued by Compass Mutual\nIn this policy, \"the Insurer\" means Compass Mutual and \"the Insured Person\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(2) Business day means Monday to Friday, excluding public holidays.\n(3) Dental treatment means treatment of the teeth or gums.\n(4) Excursions and tickets means pre-booked excursions, tours, and event or theatre tickets.\n(5) Family means the Insured Person's spouse or partner and any children who live with the Insured Person.\n(6) Hazardous activity means skydiving, motor racing, or trekking or climbing above 3,000 metres.\n(7) Incident means a single event, or a series of events arising from one cause.\n(8) Limit means the most the Insurer will pay for all claims under a section arising from one incident.\n(9) Physiotherapy means treatment of muscles and joints by a physiotherapist.\n(10) Policy period means twelve months from the policy start date shown in the Insured Person's schedule.\n(11) Pre-existing condition means any illness or injury for which the Insured Person received treatment or advice in the 3 months before the policy start date.\n(12) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(13) Public transport means any scheduled train, bus, coach, ferry or aircraft.\n(14) Qualifying delay means a delay to the scheduled departure of more than 12 hours.\n(15) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(16) Schedule means the document issued with this policy that shows the Insured Person's details, the covers the Insured Person bought and any extensions.\n(17) Sports equipment means skis, snowboards, golf clubs, surfboards and bicycles.\n(18) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(19) Territory means the countries in which cover applies, as shown in the schedule.\n(20) Travelling companion means a person who has booked to travel with the Insured Person on the same trip.\n(21) Trip means a journey that starts and ends in the Insured Person's home country during the policy period.\n(22) Valuables means laptops, tablets, mobile phones, cameras, watches and jewellery.\n\n§ 2  Limits and excess\n(1) Baggage and Personal Belongings: limit $2,000 per incident; excess $100 per claim.\n(2) Emergency Medical Expenses: limit $50,000 per incident; excess $250 per claim.\n(3) Trip Cancellation: limit $3,000 per incident; excess $50 per claim.\n(4) Travel Delay: limit $750 per incident; excess $50 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Insured Person to repay the amount.\n\n§ 4  Waiver\n(1) If the Insurer does not enforce any term of this policy, that does not mean the Insurer has given up the right to enforce it later.\n\n§ 5  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Insurer will pay only the Insurer's proportionate share.\n(2) The Insured Person must tell the Insurer about any other insurance that covers the same loss when the Insured Person makes a claim.\n\n§ 6  Complaints\n(1) If the Insured Person has a complaint, the Insured Person should first contact the Insurer's customer relations team, quoting the policy number.\n(2) The Insurer will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Insured Person remains dissatisfied, the Insured Person may be able to refer the complaint to an independent ombudsman service.\n\n§ 7  Trip Cancellation\n(1) The Insurer will pay non-refundable travel and accommodation costs if the Insured Person must cancel the trip for a reason beyond the Insured Person's control.\n(2) No cover applies under this section to any incident that happens within the first 14 days after the policy start date.\n(3) The most the Insurer will pay for Excursions and tickets under this section is $300 per incident.\n(4) The Insurer will not pay for cancellation caused by a strike or other event that had been publicly announced before the Insured Person bought the policy.\n(5) The Insurer will not pay for cancellation because the Insured Person no longer wish to travel.\n\n§ 8  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 9  Inflation\n(1) The Insurer may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Insured Person's renewal documents; limits do not change during a policy period.\n\n§ 10  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 11  Optional cover: Travel Delay\n(1) The Insurer will pay reasonable costs of meals and accommodation if the Insured Person's outbound departure is delayed.\n(2) This section applies only if it is shown as purchased in the Insured Person's schedule.\n(3) The Insurer will not pay for any delay that is not a qualifying delay.\n\n§ 12  Premium payment\n(1) The Insured Person must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 21 days of its due date, the Insurer may cancel the policy after giving notice.\n\n§ 13  Data protection\n(1) The Insurer will use the personal information the Insured Person provides to administer this policy and to handle claims.\n(2) The Insurer will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Insured Person can ask for a copy of the personal information the Insurer holds by writing to the Insurer's data protection officer.\n\n§ 14  Cooperation\n(1) The Insured Person must give the Insurer all the help and information the Insurer reasonably need to settle a claim.\n(2) The Insured Person must not admit liability or offer to settle any claim without the Insurer's written permission.\n\n§ 15  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 16  Baggage and Personal Belongings\n(1) The Insurer will pay for the loss of, theft of, or damage to the Insured Person's baggage and personal belongings during the trip.\n(2) The most the Insurer will pay for Valuables under this section is $250 per incident.\n(3) The most the Insurer will pay for Sports equipment under this section is $300 per incident.\n(4) The Insurer will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Insurer will not pay for loss caused by confiscation or detention by customs or other officials.\n(6) The Insurer will not pay for damage caused by wear and tear or gradual deterioration.\n\n§ 17  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 18  Duty of fair presentation\n(1) The Insured Person must answer all questions the Insurer asks honestly and to the best of the Insured Person's knowledge.\n(2) If the Insured Person gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Insured Person gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 19  Emergency Medical Expenses\n(1) The Insurer will pay reasonable and necessary emergency medical costs incurred during the trip.\n(2) The most the Insurer will pay for Dental treatment under this section is $250 per incident.\n(3) The most the Insurer will pay for Physiotherapy under this section is $300 per incident.\n(4) The Insurer will not pay for treatment of a pre-existing condition.\n(5) The Insurer will not pay for injury or illness arising from a hazardous activity. This exclusion does not apply if the Adventure Sports extension is shown in the Insured Person's schedule.\n(6) The Insurer will not pay for any claim arising from the Insured Person's being under the influence of alcohol or drugs.\n\n§ 20  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 21  Renewal\n(1) The Insurer will write to the Insured Person at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 22  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 23  Automatic renewal\n(1) Unless the Insured Person tells the Insurer otherwise, this policy will renew automatically at the end of the policy period using the payment details the Insurer holds.\n(2) The Insured Person can switch off automatic renewal at any time by contacting the Insurer's helpline.\n\n§ 24  Environmental commitment\n(1) Where practical, the Insurer will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Insured Person may ask for a new part instead, and the Insurer will tell the Insured Person whether any additional cost would apply.\n\n§ 25  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 26  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 27  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 28  General exclusions\n(1) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(2) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n(3) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n(4) The Insurer will not pay for any deliberate or criminal act by the Insured Person.\n(5) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n\n§ 29  Arbitration\n(1) If the Insurer accepts a claim but disagree with the Insured Person about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Insurer.\n\n§ 30  Making a claim\n(1) The Insured Person must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Insurer may appoint a loss adjuster to investigate any claim.\n(3) The Insured Person must notify the Insurer of a claim within 14 days of the incident. The Insurer will not pay any claim notified after that time.\n\n=== CLAIM ===\nClaim summary: Sana Yilmaz; policy K484585; policy start 26 March 2026; schedule covers Baggage and Personal Belongings, Emergency Medical Expenses, Trip Cancellation, Travel Delay; extensions none. Section claimed: Baggage and Personal Belongings, for a laptop. Incident date 18 April 2026; notified 3 May 2026; assessed loss $242. Facts: The vehicle was locked, and the laptop was stowed in the covered trunk where it could not be seen. Sana had left the laptop in a parked car while visiting a museum. Sana paid for the trip with a credit card. The return flight was scheduled for the following week.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_unattended": "Decline under the unattended property exclusion (§ 16(4))", "not_covered": "Decline: Baggage and Personal Belongings is not a cover shown in the schedule", "deny_late": "Decline: the claim was notified too late (§ 30(3))", "pay_sublimit": "Pay up to the Valuables sublimit (§ 16(2))", "deny_waiting": "Decline: the incident happened during the waiting period (§ 7(2))"}, "src": "hard_long_policy", "label": "deny_late"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$242", "b": "$1,900", "c": "$150", "d": "$142", "e": "$0"}, "src": "hard_long_policy", "label": "e"}}, "_meta": {"id": "hard-v1/long_policy/development/00044", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00044", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "travel", "target": "deny_late", "category": "baggage", "tempting": "unattended", "facts": {"domain": "travel", "fee_order": "before", "notice_days": 14, "categories": {"baggage": {"limit": 2000, "fee": 100, "waiting": 0, "purchased": true}, "medical": {"limit": 50000, "fee": 250, "waiting": 0, "purchased": true}, "cancellation": {"limit": 3000, "fee": 50, "waiting": 14, "purchased": true}, "delay": {"limit": 750, "fee": 50, "waiting": 0, "purchased": true}}, "classes": {"valuables": {"category": "baggage", "cap": 250}, "sports": {"category": "baggage", "cap": 300}, "dental": {"category": "medical", "cap": 250}, "physio": {"category": "medical", "cap": 300}, "excursions": {"category": "cancellation", "cap": 300}}, "exclusions": [{"key": "unattended", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "confiscation", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pre_existing", "categories": ["medical"], "kind": "threshold", "thr": 3, "cmp": "le", "has_exception": false}, {"key": "hazardous", "categories": ["medical"], "kind": "threshold", "thr": 3000, "cmp": "gt", "has_exception": true}, {"key": "intoxication", "categories": ["medical"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "known_event", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "change_of_mind", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "short_delay", "categories": ["delay"], "kind": "threshold", "thr": 12, "cmp": "le", "has_exception": false}], "case": {"category": "baggage", "item": "the laptop", "item_class": "valuables", "loss_cents": 24200, "start": "2026-03-26", "incident": "2026-04-18", "reported": "2026-05-03", "conditions": {"unattended": true}, "values": {}, "exceptions": {"unattended": true}}, "options_q": {"outcome": {"deny_unattended": "deny_unattended", "not_covered": "not_covered", "deny_late": "deny_late", "pay_sublimit": "pay_sublimit", "deny_waiting": "deny_waiting"}, "amount": {"a": 24200, "b": 190000, "c": 15000, "d": 14200, "e": 0}}}, "text_sha256": "f827235db9a7f72af7e6f7a804a7623e5da44fcebb433c4358118d9aa3072929", "state_tokens": 3034}}
{"state": "MEMO\nRe: Alert precision\n\nAn inspection camera flags units on the production line. Historically, eight percent of units are defective. When one of the units is defective, the system flags it eighty percent of the time.\n\nWhen one of the units is not defective, the system still flags it twenty percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that one of the units that the system has flagged is actually defective?", "criteria": {"a": "80.0%", "b": "8.0%", "c": "25.8%", "d": "6.4%", "e": "60.0%"}, "src": "hard_probability", "label": "c"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that one of the units that the system has flagged is defective?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 1}}, "_meta": {"id": "hard-v1/probability/development/00082", "source": "hard_probability", "group_id": "hard-v1/probability/development/00082", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "bayes", "facts": {"kind": "bayes", "p": {"base": "8/100", "sens": "80/100", "fpr": "20/100"}, "options_q": {"value": {"a": 800, "b": 80, "c": 258, "d": 64, "e": 600}}, "qid2": "bucket"}, "text_sha256": "7d2b2af89dcc0d3121a1b2a688e0031a55cf39dbbecf77145063501d4c9e2ea1", "state_tokens": 67}}
{"state": "SPEC SHEET: a laptop model for the staff hardware refresh\nNova Air | unit price=$1,680 | battery life=8 hours | weight=2.1 kg | three-year on-site warranty=yes | built-in LTE=no\nSlate Pro | unit price=$1,900 | battery life=18 hours | weight=1.4 kg | three-year on-site warranty=yes | built-in LTE=no\nOrbit 13 | unit price=$1,990 | battery life=18 hours | weight=1.9 kg | three-year on-site warranty=yes | built-in LTE=yes\nVector X1 | unit price=$1,260 | battery life=7 hours | weight=1.7 kg | three-year on-site warranty=yes | built-in LTE=yes\nKeystone 15 | unit price=$730 | battery life=6 hours | weight=1.6 kg | three-year on-site warranty=no | built-in LTE=no\nR1: it must offer three-year on-site warranty\nR2: its weight must be at most 2.0 kg\nSelection: Among the options that meet every requirement, choose the one with the lowest unit price; if two or more are tied on unit price, choose the one with the highest battery life.", "questions": {"choice": {"type": "choice", "instructions": "Which model best satisfies the brief?", "criteria": {"keystone_15": null, "nova_air": null, "orbit_13": null, "vector_x1": null, "slate_pro": null}, "src": "hard_tradeoff", "label": "vector_x1"}, "meets": {"type": "noul", "instructions": "Does Orbit 13 meet every hard requirement?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00000", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00000", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "model", "none_case": false, "facts": {"rule": "lex", "options": {"Nova Air": {"cost": 1680, "battery": 8, "weight": 21, "warranty": true, "lte": false}, "Slate Pro": {"cost": 1900, "battery": 18, "weight": 14, "warranty": true, "lte": false}, "Orbit 13": {"cost": 1990, "battery": 18, "weight": 19, "warranty": true, "lte": true}, "Vector X1": {"cost": 1260, "battery": 7, "weight": 17, "warranty": true, "lte": true}, "Keystone 15": {"cost": 730, "battery": 6, "weight": 16, "warranty": false, "lte": false}}, "constraints": [{"attr": "warranty", "op": "is", "value": true}, {"attr": "weight", "op": "<=", "value": 20}], "priority": [["cost", "lower"], ["battery", "higher"]], "weights": {}, "years": null, "check": "Orbit 13", "options_q": {"choice": {"keystone_15": "keystone_15", "nova_air": "nova_air", "orbit_13": "orbit_13", "vector_x1": "vector_x1", "slate_pro": "slate_pro"}}}, "text_sha256": "9e9dc04efccce66106e31857a3c01fa7f4774f23556e7c627b17bb9c5793a7c2", "state_tokens": 271}}
{"state": "MEMO\nRe: Quarterly breakdown\n\nCounts of store visitors last month by type and outcome: new: 357 converted, 118 did not convert. returning: 151 converted, 218 did not convert.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, Among records that were converted, what share came from returning?", "criteria": {"a": "17.9%", "b": "43.7%", "c": "29.7%", "d": "60.2%", "e": "40.9%"}, "src": "hard_probability", "label": "c"}}, "_meta": {"id": "hard-v1/probability/development/00023", "source": "hard_probability", "group_id": "hard-v1/probability/development/00023", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "table", "facts": {"kind": "table", "p": {}, "counts": {"new": {"converted": 357, "did not convert": 118}, "returning": {"converted": 151, "did not convert": 218}}, "row": "returning", "col": "converted", "ask": "row_given_col", "options_q": {"value": {"a": 179, "b": 437, "c": 297, "d": 602, "e": 409}}}, "text_sha256": "08e4eb10854964854ada1aac5e1668258e8a8e1a9b38aa29603a24b8c5269073", "state_tokens": 51}}
{"state": "MEMO\nRe: Quarterly breakdown\n\nCounts of support tickets last quarter by channel and outcome: chat: 185 escalated, 266 not escalated. email: 258 escalated, 224 not escalated.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, Among records that were escalated, what share came from chat?", "criteria": {"a": "48.3%", "b": "41.0%", "c": "47.5%", "d": "19.8%", "e": "41.8%"}, "src": "hard_probability", "label": "e"}}, "_meta": {"id": "hard-v1/probability/development/00076", "source": "hard_probability", "group_id": "hard-v1/probability/development/00076", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "table", "facts": {"kind": "table", "p": {}, "counts": {"chat": {"escalated": 185, "not escalated": 266}, "email": {"escalated": 258, "not escalated": 224}}, "row": "chat", "col": "escalated", "ask": "row_given_col", "options_q": {"value": {"a": 483, "b": 410, "c": 475, "d": 198, "e": 418}}}, "text_sha256": "ee8576d997d9181f72c474e27a1b550591c50f2641b69c46dc3476ab4b7429fb", "state_tokens": 49}}
{"state": "MEMO\nRe: Invoice payment timing\n\nInvoice 11974 was issued on 10 July 2025. A late fee applies when payment arrives more than 30 days after the invoice date. Payment reached the account on 9 August 2025.", "questions": {"days": {"type": "choice", "instructions": "Number of days from invoice to payment:", "criteria": {"a": "31 days", "b": "29 days", "c": "28 days", "d": "32 days", "e": "30 days"}, "src": "hard_temporal_numeric", "label": "e"}, "late": {"type": "noul", "instructions": "Is a late fee due on this invoice?", "src": "hard_temporal_numeric", "label": false}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00033", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00033", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "diff", "facts": {"kind": "diff", "invoice": "2025-07-10", "paid": "2025-08-09", "limit": 30, "options_q": {"days": {"a": 31, "b": 29, "c": 28, "d": 32, "e": 30}}}, "text_sha256": "2e77a8f33264cfbb4ec11fb92f459ae1cc9024c6d62575354363e63f51e2273e", "state_tokens": 61}}
{"state": "RENTERS CONTENTS PROTECTION\nIssued by Hearthstone Insurance plc\nIn this policy, \"the Insurer\" means Hearthstone Insurance plc and \"the Policyholder\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Art and antiques means paintings, antiques, rugs and other works of art.\n(2) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(3) Bicycles means bicycles and electric scooters.\n(4) Business day means Monday to Friday, excluding public holidays.\n(5) Contents means household goods and personal possessions that belong to the Policyholder or the Policyholder's family.\n(6) Family means the Policyholder's spouse or partner and any children who live with the Policyholder.\n(7) Forcible entry means entry to the home that leaves visible damage to doors, windows or locks.\n(8) Garden items means garden furniture, plants and outdoor tools.\n(9) High-risk items means jewellery, watches, laptops, games consoles and cameras.\n(10) Home means the private residence at the address shown in the schedule.\n(11) Incident means a single event, or a series of events arising from one cause.\n(12) Limit means the most the Insurer will pay for all claims under a section arising from one incident.\n(13) Outbuilding means a shed, garage or greenhouse within the boundaries of the home.\n(14) Policy period means twelve months from the policy start date shown in the Policyholder's schedule.\n(15) Portable electronics means laptops, tablets and mobile phones.\n(16) Premium means the amount the Policyholder must pay for this policy, including any taxes.\n(17) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(18) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(19) Schedule means the document issued with this policy that shows the Policyholder's details, the covers the Policyholder bought and any extensions.\n(20) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(21) Unoccupied means not lived in by the Policyholder or a member of the Policyholder's family for more than 45 consecutive days.\n\n§ 2  Limits and excess\n(1) Theft: limit $20,000 per incident; excess $250 per claim.\n(2) Escape of Water: limit $15,000 per incident; excess $500 per claim.\n(3) Accidental Damage: limit $3,000 per incident; excess $50 per claim.\n(4) Flood: limit $20,000 per incident; excess $1,000 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the excess is then deducted from the result.\n\n§ 3  Theft\n(1) The Insurer will pay for contents stolen from the Policyholder's home.\n(2) The most the Insurer will pay for High-risk items under this section is $1,500 per incident.\n(3) The most the Insurer will pay for Bicycles under this section is $500 per incident.\n(4) The Insurer will not pay for theft while the home is unoccupied.\n(5) The Insurer will not pay for theft where there is no sign of forced entry to the home. This exclusion does not apply where the thief gained entry by deception, for example by posing as a utility worker.\n(6) The Insurer will not pay for theft from sheds, garages or other outbuildings. This exclusion does not apply if the outbuilding was locked and the theft involved forcible entry.\n\n§ 4  Flood\n(1) The Insurer will pay for contents damaged by flood water entering the Policyholder's home.\n(2) No cover applies under this section to any incident that happens within the first 60 days after the policy start date.\n(3) The most the Insurer will pay for Garden items under this section is $1,000 per incident.\n(4) The Insurer will not pay for flood damage where a flood warning for the Policyholder's area had been issued before the policy started.\n\n§ 5  Escape of Water\n(1) The Insurer will pay for contents damaged by water escaping from a fixed pipe, tank or domestic appliance.\n(2) The most the Insurer will pay for Art and antiques under this section is $2,000 per incident.\n(3) The Insurer will not pay for damage caused by water leaking gradually over a period of time.\n(4) The Insurer will not pay for damage caused by the failure of grout or sealant around baths and showers.\n\n§ 6  Optional cover: Accidental Damage\n(1) The Insurer will pay for sudden and unexpected accidental damage to the Policyholder's contents inside the home.\n(2) This section applies only if it is shown as purchased in the Policyholder's schedule.\n(3) The most the Insurer will pay for Portable electronics under this section is $500 per incident.\n(4) The Insurer will not pay for damage caused by pets.\n(5) The Insurer will not pay for wear and tear, or damage that happens gradually.\n\n§ 7  General exclusions\n(1) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n(2) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n(3) The Insurer will not pay for any deliberate or criminal act by the Policyholder.\n(4) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(5) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n\n§ 8  Making a claim\n(1) The Insurer may appoint a loss adjuster to investigate any claim.\n(2) The Policyholder must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Policyholder must notify the Insurer of a claim within 14 days of the incident. The Insurer will not pay any claim notified after that time.\n\n§ 9  Customer support\n(1) The Insurer's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Policyholder can leave a message and the Insurer will call back on the next working day.\n\n§ 10  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 11  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 12  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Policyholder gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Policyholder's claims history.\n\n§ 13  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 14  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 15  Records and evidence\n(1) The Policyholder should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 16  Communication\n(1) The Insurer will communicate with the Policyholder in English.\n(2) The Insurer may record telephone calls for training and quality purposes.\n\n§ 17  Changes in circumstances\n(1) The Policyholder must tell the Insurer as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Insurer may then change the premium or the terms of this policy, or cancel it.\n\n§ 18  Waiver\n(1) If the Insurer does not enforce any term of this policy, that does not mean the Insurer has given up the right to enforce it later.\n\n§ 19  Cooperation\n(1) The Policyholder must give the Insurer all the help and information the Insurer reasonably need to settle a claim.\n(2) The Policyholder must not admit liability or offer to settle any claim without the Insurer's written permission.\n\n§ 20  Claims documents\n(1) The Policyholder must provide, at the Policyholder's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 21  Duty of fair presentation\n(1) The Policyholder must answer all questions the Insurer asks honestly and to the best of the Policyholder's knowledge.\n(2) If the Policyholder gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Policyholder gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 22  Interest\n(1) The Insurer will not pay interest on any claim payment unless the law requires it.\n\n§ 23  Complaints\n(1) If the Policyholder has a complaint, the Policyholder should first contact the Insurer's customer relations team, quoting the policy number.\n(2) The Insurer will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Policyholder remains dissatisfied, the Policyholder may be able to refer the complaint to an independent ombudsman service.\n\n§ 24  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 25  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 26  Inflation\n(1) The Insurer may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Policyholder's renewal documents; limits do not change during a policy period.\n\n§ 27  Premium payment\n(1) The Policyholder must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 7 days of its due date, the Insurer may cancel the policy after giving notice.\n\n§ 28  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 29  Cancellation\n(1) The Policyholder can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Policyholder can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $15.\n(3) The Insurer can cancel this policy by giving the Policyholder 30 days' written notice to the last address the Insurer holds.\n\n§ 30  Market conditions\n(1) If the replacement item is no longer available, the Insurer will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 31  Third-party administrators\n(1) The Insurer may appoint another company to handle claims or other services on the Insurer's behalf.\n(2) Any company the Insurer appoints must follow the terms of this policy and applicable data protection law.\n\n§ 32  Garden and outdoor cover\n(1) The Insurer will pay for plants, trees and shrubs in the garden of the home that are damaged by fire, lightning or theft.\n(2) The Insurer will not pay for damage caused by frost, storms, drought or animals.\n\n§ 33  Alternative accommodation\n(1) If the Policyholder's home cannot be lived in after damage covered by this policy, the Insurer will pay the reasonable cost of comparable temporary accommodation.\n(2) The Insurer will also pay for the temporary housing of pets that live with the Policyholder.\n(3) Cover ends when the home is fit to live in again or after twelve months, whichever is sooner.\n\n§ 34  Locks and keys\n(1) If the keys to the Policyholder's home are lost or stolen, the Insurer will pay the cost of replacing the locks to the outside doors.\n(2) The most the Insurer will pay under this clause is $300 for any one claim.\n\n§ 35  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Policyholder should be sent to the address shown in the schedule.\n\n§ 36  Subrogation\n(1) The Insurer will be entitled to take over and conduct in the Policyholder's name the defence or settlement of any claim.\n(2) The Insurer can take action in the Policyholder's name to recover any payment the Insurer makes from anyone responsible for the loss.\n\n§ 37  Assignment\n(1) The Policyholder cannot transfer the Policyholder's interest in this policy to anyone else without the Insurer's written consent.\n\n§ 38  Contents temporarily removed\n(1) The Policyholder's contents are covered while temporarily removed from the home to another building in the same country, for up to 60 days.\n(2) Contents in a student hall of residence are covered only if the student is a member of the Policyholder's family.\n\n§ 39  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 40  Reasonable precautions\n(1) The Policyholder must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Policyholder must take reasonable steps to recover lost or stolen property.\n\n§ 41  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Policyholder to repay the amount.\n\n§ 42  Renewal\n(1) The Insurer will write to the Policyholder at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 43  Freezer contents\n(1) The Insurer will pay for food in a domestic freezer that spoils because of a rise or fall in temperature.\n(2) The Insurer will not pay if the freezer is more than fifteen years old, or if the electricity supplier cut the supply deliberately.\n\n§ 44  Electronic documents\n(1) The Insurer will send documents by email unless the Policyholder asks for paper copies.\n(2) The Policyholder must tell the Insurer if the Policyholder's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 45  Tenant's improvements\n(1) If the Policyholder rents the home, the Insurer will pay for damage to fixtures and fittings that the Policyholder installed and are responsible for.\n(2) This cover applies only to improvements the Policyholder paid for, not to items provided by the landlord.\n\n§ 46  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 47  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 48  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 49  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Policyholder must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 50  Change of address\n(1) The Policyholder must tell the Insurer within 30 days if the Policyholder changes the Policyholder's address.\n(2) The Insurer may change the premium or the terms from the date of the move.\n\n§ 51  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 52  Arbitration\n(1) If the Insurer accepts a claim but disagree with the Policyholder about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Insurer.\n\n=== CLAIM ===\nClaim summary: Nadia Zeller; policy B408034; policy start 12 March 2025; schedule covers Theft, Escape of Water, Flood; extensions none. Section claimed: Accidental Damage, for a glass dining table. Incident date 14 November 2025; notified 15 November 2025; assessed loss $1,728. Facts: Nadia knocked the table over while moving furniture. Nadia has lived at the property for four years.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_late": "Decline: the claim was notified too late (§ 8(3))", "pay_limit": "Pay up to the Accidental Damage limit", "deny_wear_home": "Decline under the wear and tear exclusion (§ 6(5))", "not_covered": "Decline: Accidental Damage is not a cover shown in the schedule", "deny_waiting": "Decline: the incident happened during the waiting period (§ 4(2))"}, "src": "hard_long_policy", "label": "not_covered"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$3,000", "b": "$1,678", "c": "$1,728", "d": "$2,950", "e": "$0"}, "src": "hard_long_policy", "label": "e"}}, "_meta": {"id": "hard-v1/long_policy/development/00020", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00020", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "home", "target": "not_covered", "category": "accidental", "tempting": null, "facts": {"domain": "home", "fee_order": "after", "notice_days": 14, "categories": {"theft": {"limit": 20000, "fee": 250, "waiting": 0, "purchased": true}, "water": {"limit": 15000, "fee": 500, "waiting": 0, "purchased": true}, "accidental": {"limit": 3000, "fee": 50, "waiting": 0, "purchased": false}, "flood": {"limit": 20000, "fee": 1000, "waiting": 60, "purchased": true}}, "classes": {"high_risk": {"category": "theft", "cap": 1500}, "bicycles": {"category": "theft", "cap": 500}, "art": {"category": "water", "cap": 2000}, "portable": {"category": "accidental", "cap": 500}, "garden": {"category": "flood", "cap": 1000}}, "exclusions": [{"key": "unoccupied", "categories": ["theft"], "kind": "threshold", "thr": 45, "cmp": "gt", "has_exception": false}, {"key": "no_forced_entry", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "outbuilding", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "gradual", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "sealant", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pets", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear_home", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "flood_warning", "categories": ["flood"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "accidental", "item": "the table", "item_class": null, "loss_cents": 172800, "start": "2025-03-12", "incident": "2025-11-14", "reported": "2025-11-15", "conditions": {}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"deny_late": "deny_late", "pay_limit": "pay_limit", "deny_wear_home": "deny_wear_home", "not_covered": "not_covered", "deny_waiting": "deny_waiting"}, "amount": {"a": 300000, "b": 167800, "c": 172800, "d": 295000, "e": 0}}}, "text_sha256": "ad92dbcc88b03749088c68fae2ded232db9d416f19e8108214e218423afcb941", "state_tokens": 4128}}
{"state": "GROUP HEALTH CASH PLAN\nIssued by the Benefits Trust\nIn this policy, \"the Plan\" means the Benefits Trust and \"the Member\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Business day means Monday to Friday, excluding public holidays.\n(2) Dependant means the Member's spouse or partner, or a child under 21 who is enrolled in the plan.\n(3) Family means the Member's spouse or partner and any children who live with the Member.\n(4) Frames means spectacle frames bought without new lenses.\n(5) Hearing accessories means batteries, chargers and cleaning kits.\n(6) Hearing aid replacement period means 24 months from the purchase of hearing aids funded by the plan.\n(7) Major restorative work means crowns, bridges, root canal treatment and implants.\n(8) Massage therapy means sports massage, massage therapy and reflexology.\n(9) Network provider means a practitioner or clinic that has an agreement with the Plan to provide treatment.\n(10) Orthodontics means braces and clear aligners.\n(11) Plan year means the twelve months starting on the Member's coverage start date.\n(12) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(13) Registered practitioner means a practitioner registered with the professional body for their discipline.\n(14) Replacement period means 12 months from the date of the Member's last eyewear claim.\n(15) Schedule means the document issued with this policy that shows the Member's details, the covers the Member bought and any extensions.\n(16) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n\n§ 2  Limits and deductible\n(1) Dental Care: limit $2,000 per treatment; deductible $50 per claim.\n(2) Vision Care: limit $300 per treatment; deductible $40 per claim.\n(3) Therapy Services: limit $1,500 per treatment; deductible $75 per claim.\n(4) Hearing Care: limit $2,000 per treatment; deductible $150 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the deductible is then deducted from the result.\n\n§ 3  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Plan may adjust the premium from the date of the change.\n\n§ 4  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 5  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 6  Complaints\n(1) If the Member has a complaint, the Member should first contact the Plan's customer relations team, quoting the policy number.\n(2) The Plan will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Member remains dissatisfied, the Member may be able to refer the complaint to an independent ombudsman service.\n\n§ 7  Records and evidence\n(1) The Member should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Plan may base any settlement on the price of a comparable item.\n(3) The Plan may ask for evidence of how and when an item was acquired.\n\n§ 8  Duty of fair presentation\n(1) The Member must answer all questions the Plan asks honestly and to the best of the Member's knowledge.\n(2) If the Member gives incorrect information deliberately or recklessly, the Plan may treat this policy as if it never existed and keep the premium.\n(3) If the Member gives incorrect information carelessly, the Plan may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 9  Notices\n(1) Any notice the Plan gives under this policy will be sent to the most recent postal or email address the Plan holds.\n(2) Notices from the Member should be sent to the address shown in the schedule.\n\n§ 10  Dental Care\n(1) The Plan will reimburse the cost of dental treatment provided by a licensed dentist.\n(2) No cover applies under this section to any treatment that happens within the first 60 days after the policy start date.\n(3) The most the Plan will pay for Major restorative work under this section is $750 per treatment.\n(4) The most the Plan will pay for Orthodontics under this section is $600 per treatment.\n(5) The Plan will not pay for treatment that is mainly cosmetic, such as whitening or veneers. This exclusion does not apply to treatment needed to repair damage caused by an accident.\n(6) The Plan will not pay for treatment by a provider outside the plan's network. This exclusion does not apply to emergency treatment for sudden severe pain.\n\n§ 11  Reasonable precautions\n(1) The Member must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Member must take reasonable steps to recover lost or stolen property.\n\n§ 12  Interest\n(1) The Plan will not pay interest on any claim payment unless the law requires it.\n\n§ 13  Cooperation\n(1) The Member must give the Plan all the help and information the Plan reasonably need to settle a claim.\n(2) The Member must not admit liability or offer to settle any claim without the Plan's written permission.\n\n§ 14  Dependants\n(1) The Member may enrol dependants at the start of each plan year or within 30 days of a qualifying life event.\n(2) Benefits paid for dependants count towards the same annual limits as the Member's own claims.\n\n§ 15  Salvage\n(1) When the Plan replaces an item, the damaged or recovered item becomes the Plan's property.\n(2) If stolen property is recovered after the Plan has paid a claim, the Member must tell the Plan and either return the payment or give the Plan the property.\n\n§ 16  Therapy Services\n(1) The Plan will reimburse physiotherapy, osteopathy and counselling provided by a registered practitioner.\n(2) The most the Plan will pay for Massage therapy under this section is $300 per treatment.\n(3) The Plan will not pay for treatment of an injury covered by workers' compensation.\n(4) The Plan will not pay for treatment by a practitioner who is not registered with the relevant professional body.\n\n§ 17  Assignment\n(1) The Member cannot transfer the Member's interest in this policy to anyone else without the Plan's written consent.\n\n§ 18  Appeals\n(1) If the Plan declines all or part of a claim, the Member may appeal in writing within 60 days of the decision.\n(2) An appeal will be reviewed by someone who was not involved in the original decision.\n(3) The Plan will give the Member a written decision on the appeal within 30 days.\n\n§ 19  Premium payment\n(1) The Member must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 7 days of its due date, the Plan may cancel the policy after giving notice.\n\n§ 20  Third-party administrators\n(1) The Plan may appoint another company to handle claims or other services on the Plan's behalf.\n(2) Any company the Plan appoints must follow the terms of this policy and applicable data protection law.\n\n§ 21  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Plan will pay only the Plan's proportionate share.\n(2) The Member must tell the Plan about any other insurance that covers the same loss when the Member makes a claim.\n\n§ 22  Inflation\n(1) The Plan may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Member's renewal documents; limits do not change during a policy period.\n\n§ 23  Environmental commitment\n(1) Where practical, the Plan will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Member may ask for a new part instead, and the Plan will tell the Member whether any additional cost would apply.\n\n§ 24  Changes in circumstances\n(1) The Member must tell the Plan as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Plan may then change the premium or the terms of this policy, or cancel it.\n\n§ 25  Change of address\n(1) The Member must tell the Plan within 30 days if the Member changes the Member's address.\n(2) The Plan may change the premium or the terms from the date of the move.\n\n§ 26  Claims documents\n(1) The Member must provide, at the Member's own expense, original receipts, invoices, reports and any other evidence the Plan reasonably ask for.\n(2) The Plan may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 27  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 28  Sanctions\n(1) The Plan will not provide cover or pay any claim to the extent that doing so would expose the Plan to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 29  Eligibility\n(1) Employees who work at least 20 hours a week are eligible to join the plan from their first day of employment.\n(2) Contractors, agency workers and employees on unpaid leave of more than three months are not eligible.\n\n§ 30  Vision Care\n(1) The Plan will reimburse eye tests and prescription eyewear.\n(2) The most the Plan will pay for Frames under this section is $120 per treatment.\n(3) The Plan will not pay for eyewear without prescription lenses.\n(4) The Plan will not pay for a further eyewear claim within the replacement period.\n\n§ 31  Optional cover: Hearing Care\n(1) The Plan will reimburse hearing tests and hearing aids.\n(2) This section applies only if it is shown as purchased in the Member's schedule.\n(3) The most the Plan will pay for Hearing accessories under this section is $100 per treatment.\n(4) The Plan will not pay for replacement hearing aids bought within the hearing aid replacement period.\n\n§ 32  Waiver\n(1) If the Plan does not enforce any term of this policy, that does not mean the Plan has given up the right to enforce it later.\n\n§ 33  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 34  Customer support\n(1) The Plan's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Member can leave a message and the Plan will call back on the next working day.\n\n§ 35  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 36  General exclusions\n(1) The Plan will not pay for loss arising from a government order or sanction that prohibits the Plan from paying.\n(2) The Plan will not pay for loss or damage caused by war, invasion, or civil war.\n(3) The Plan will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(4) The Plan will not pay for any deliberate or criminal act by the Member.\n(5) The Plan will not pay for any fraudulent claim or any claim supported by false documents.\n\n§ 37  Recovery of costs\n(1) If the Plan pays a claim that is later found not to be covered, the Plan may ask the Member to repay the amount.\n\n§ 38  Market conditions\n(1) If the replacement item is no longer available, the Plan will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 39  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 40  Arbitration\n(1) If the Plan accepts a claim but disagree with the Member about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Plan.\n\n§ 41  Making a claim\n(1) The Member must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Member must notify the Plan of a claim within 90 days of the treatment. The Plan will not pay any claim notified after that time.\n(3) The Plan may appoint a loss adjuster to investigate any claim.\n\n§ 42  Wellness allowance\n(1) Each plan year the Member may claim up to $250 towards a gym membership or fitness class.\n(2) The wellness allowance is not subject to any deductible and does not count towards other limits.\n\n=== CLAIM ===\nClaim summary: Luca Rahman; policy D611810; policy start 23 August 2026; schedule covers Dental Care, Vision Care, Therapy Services; extensions none. Section claimed: Therapy Services, for a course of physiotherapy sessions. Treatment date 31 December 2026; notified 19 January 2027; assessed loss $827.25. Facts: The injury happened at work and was accepted as a workers' compensation claim. Luca joined the company's finance team two years ago. The provider issued an itemised invoice. Luca's spouse is also enrolled in the plan.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_sublimit": "Pay up to the Massage therapy sublimit (§ 16(2))", "pay_limit": "Pay up to the Therapy Services limit", "deny_waiting": "Decline: the treatment happened during the waiting period (§ 10(2))", "deny_unregistered": "Decline under the unregistered practitioners exclusion (§ 16(4))", "deny_work_injury": "Decline under the work injuries exclusion (§ 16(3))"}, "src": "hard_long_policy", "label": "deny_work_injury"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$1,500", "b": "$1,425", "c": "$0", "d": "$225", "e": "$827.25"}, "src": "hard_long_policy", "label": "c"}}, "_meta": {"id": "hard-v1/long_policy/development/00058", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00058", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "benefits", "target": "deny_exclusion", "category": "therapy", "tempting": null, "facts": {"domain": "benefits", "fee_order": "after", "notice_days": 90, "categories": {"dental": {"limit": 2000, "fee": 50, "waiting": 60, "purchased": true}, "vision": {"limit": 300, "fee": 40, "waiting": 0, "purchased": true}, "therapy": {"limit": 1500, "fee": 75, "waiting": 0, "purchased": true}, "hearing": {"limit": 2000, "fee": 150, "waiting": 0, "purchased": false}}, "classes": {"major": {"category": "dental", "cap": 750}, "ortho": {"category": "dental", "cap": 600}, "frames": {"category": "vision", "cap": 120}, "massage": {"category": "therapy", "cap": 300}, "accessories": {"category": "hearing", "cap": 100}}, "exclusions": [{"key": "cosmetic", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "out_of_network", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "non_prescription", "categories": ["vision"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "frequency", "categories": ["vision"], "kind": "threshold", "thr": 12, "cmp": "lt", "has_exception": false}, {"key": "work_injury", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unregistered", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "replacement", "categories": ["hearing"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}], "case": {"category": "therapy", "item": "the physiotherapy", "item_class": null, "loss_cents": 82725, "start": "2026-08-23", "incident": "2026-12-31", "reported": "2027-01-19", "conditions": {"work_injury": true}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"pay_sublimit": "pay_sublimit", "pay_limit": "pay_limit", "deny_waiting": "deny_waiting", "deny_unregistered": "deny_unregistered", "deny_work_injury": "deny_work_injury"}, "amount": {"a": 150000, "b": 142500, "c": 0, "d": 22500, "e": 82725}}}, "text_sha256": "16961062368224165801cb87d0643fd3944c82bcc152712676256108f1c6d9fb", "state_tokens": 3214}}
{"state": "REVIEW REQUEST\nItem: Rule: a discount applies if the customer is a loyalty member but not if the order ships to a domestic address. Facts: it is not true that the customer is a loyalty member; the order ships to a domestic address; the customer used a promo code. Does the discount apply?\nSubmitted result: Final answer: Yes, the discount applies.", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}}, "_meta": {"id": "hard-v1/judge/development/00085", "source": "hard_judge", "group_id": "hard-v1/judge/development/00085", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "logic", "error": "logic", "facts": {"kind": "logic", "args": {"atoms": ["member", "domestic", "promo"], "form": "and_not", "values": {"member": false, "domestic": true, "promo": true}}, "proposed": true, "error": "logic"}, "text_sha256": "0d09a67a4091e4e9ec67d4bf1d6f489acd81da43d28b07537ba6ac953a8252d8", "state_tokens": 76}}
{"state": "SPEC SHEET: an office lease for the new Leeds team\nCanal Wharf | monthly rent=$5,400 | average commute=50 minutes | capacity=48 desks | on-site parking=yes | step-free access=yes\nWellington Place | monthly rent=$9,000 | average commute=44 minutes | capacity=59 desks | on-site parking=yes | step-free access=yes\nMill Yard | monthly rent=$8,000 | average commute=40 minutes | capacity=69 desks | on-site parking=yes | step-free access=no\nAlbion Court | monthly rent=$6,500 | average commute=19 minutes | capacity=34 desks | on-site parking=no | step-free access=no\nR1: it must offer step-free access\nR2: its monthly rent must be at most $7,200\nSelection: Among the options that meet every requirement, choose the one with the highest capacity; if two or more are tied on capacity, choose the one with the lowest monthly rent.", "questions": {"choice": {"type": "choice", "instructions": "Which office best satisfies the brief?", "criteria": {"albion_court": null, "wellington_place": null, "mill_yard": null, "canal_wharf": null}, "src": "hard_tradeoff", "label": "canal_wharf"}, "meets": {"type": "noul", "instructions": "Is Albion Court compliant with all the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00028", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00028", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "office", "none_case": false, "facts": {"rule": "lex", "options": {"Canal Wharf": {"cost": 5400, "commute": 50, "desks": 48, "parking": true, "access": true}, "Wellington Place": {"cost": 9000, "commute": 44, "desks": 59, "parking": true, "access": true}, "Mill Yard": {"cost": 8000, "commute": 40, "desks": 69, "parking": true, "access": false}, "Albion Court": {"cost": 6500, "commute": 19, "desks": 34, "parking": false, "access": false}}, "constraints": [{"attr": "access", "op": "is", "value": true}, {"attr": "cost", "op": "<=", "value": 7200}], "priority": [["desks", "higher"], ["cost", "lower"]], "weights": {}, "years": null, "check": "Albion Court", "options_q": {"choice": {"albion_court": "albion_court", "wellington_place": "wellington_place", "mill_yard": "mill_yard", "canal_wharf": "canal_wharf"}}}, "text_sha256": "b96098b6b5db2386f2b84cbcc3cad3adf2c70db47f476bc1f29b25193f82ee63", "state_tokens": 221}}
{"state": "MEMO\nRe: Shipping\n\nOrders ship free when the order total after all discounts is at least $150.00; otherwise the standard shipping fee applies. Ravi Silva's basket totals $191.52 before discounts. A coupon was applied at checkout, but its value is not shown.\n\nThe basket contains three items from the same warehouse. Ravi chose standard delivery.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"free_shipping": "Ship the order free", "standard_shipping": "Charge the standard shipping fee", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00043", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00042", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "shipping", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": true, "facts": {"scenario": "shipping", "insufficient_key": "not_enough_information", "params": {"threshold_cents": 15000, "subtotal_cents": 19152, "discount_cents": null}, "deciding_present": false, "options_q": {"decision": {"free_shipping": "free_shipping", "standard_shipping": "standard_shipping", "not_enough_information": "not_enough_information"}}}, "text_sha256": "d598b85ff0beb51b741e49d38c871b2479aebb91ff20257e7ff8e19a885936d8", "state_tokens": 82}}
{"state": "MEMO\nRe: Project funding decision\n\nThe planning team must fund exactly one of 3 projects and wants the highest expected net value (expected payoff minus up-front cost). Project Delta costs $110,000 up front and has a five percent chance of a gain of $530,000; a forty percent chance of a gain of $480,000; a fifty-five percent chance of a gain of $420,000. Project Garnet costs $20,000 up front and has a eighty percent chance of a gain of $90,000; a twenty percent chance of a gain of $30,000.\n\nProject Fjord costs $30,000 up front and has a forty-five percent chance of a gain of $640,000; a ten percent chance of a gain of $610,000; a forty-five percent chance of a loss of $90,000.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which project has the highest expected net value?", "criteria": {"project_delta": null, "project_fjord": null, "project_garnet": null}, "src": "hard_probability", "label": "project_delta"}, "value": {"type": "choice", "instructions": "Per the figures given, What is the expected net value of Project Fjord?", "criteria": {"a": "$248,500", "b": "$356,666", "c": "$610,000", "d": "$308,500", "e": "$278,500"}, "src": "hard_probability", "label": "e"}}, "_meta": {"id": "hard-v1/probability/development/00083", "source": "hard_probability", "group_id": "hard-v1/probability/development/00083", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "ev", "facts": {"kind": "ev", "p": {}, "projects": {"Project Delta": {"outcomes": [["5/100", 530000], ["40/100", 480000], ["55/100", 420000]], "cost": 110000}, "Project Garnet": {"outcomes": [["80/100", 90000], ["20/100", 30000]], "cost": 20000}, "Project Fjord": {"outcomes": [["45/100", 640000], ["10/100", 610000], ["45/100", -90000]], "cost": 30000}}, "asked": "Project Fjord", "options_q": {"choice": {"project_delta": "project_delta", "project_fjord": "project_fjord", "project_garnet": "project_garnet"}, "value": {"a": 248500, "b": 356666, "c": 610000, "d": 308500, "e": 278500}}}, "text_sha256": "b05ad59bf1d8a47c6ede80d79c7889069e95e1c48cdae0096990086830edc39f", "state_tokens": 217}}
{"state": "MEMO\nRe: Tenure\n\nEmployees are eligible for a sabbatical once they have completed 2 years of continuous employment with the company on the date they apply. Nia Horvat applied for the sabbatical on 2026-08-01. Nia's start date with the company is not in the file.\n\nNia moved to the Search team on 2025-09-11. Nia's manager supports the application.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "eligible": "Eligible for the sabbatical", "not_eligible": "Not yet eligible"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00055", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00054", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "tenure", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": true, "facts": {"scenario": "tenure", "insufficient_key": "not_enough_information", "params": {"years": 2, "apply": "2026-08-01", "hired": null, "moved": "2025-09-11"}, "deciding_present": false, "options_q": {"decision": {"not_enough_information": "not_enough_information", "eligible": "eligible", "not_eligible": "not_eligible"}}}, "text_sha256": "674a2c075da8277c01fbd8f7bbd4ebf1807ebc5da92776440b9a685c4f5b4208", "state_tokens": 98}}
{"state": "MEMO\nRe: Alert from blob store\n\nPaging rule: an alert pages the owning team's primary on-call; if the primary is on leave that day, it pages the secondary; if the secondary is also on leave, it pages the team's engineering manager. Alerts from the iOS release train are owned by the Storage team. This week's Checkout primary on-call is Viktor and the secondary is Beatriz.\n\nThis week's Data Platform primary on-call is Farah and the secondary is Lena. The Storage engineering manager is Noah. Mira is on leave from June 6, 2026 to June 11, 2026 inclusive.\n\nViktor is on leave from June 8, 2026 to June 15, 2026 inclusive. The Data Platform engineering manager is Petra. Beatriz is on leave from May 30, 2026 to June 1, 2026 inclusive.\n\nAlerts from the blob store are owned by the Checkout team. Alerts from the card tokenizer are owned by the Data Platform team. Alerts from the login service are owned by the Data Platform team.\n\nThis week's Storage primary on-call is Mira and the secondary is Tess. The Checkout engineering manager is Omar. On June 3, 2026, an alert fired from the blob store.", "questions": {"paged": {"type": "choice", "instructions": "Who is the right person to page?", "criteria": {"omar": null, "mira": null, "beatriz": null, "viktor": null}, "src": "hard_multi_hop", "label": "viktor"}}, "_meta": {"id": "hard-v1/multi_hop/development/00074", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00074", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "oncall", "facts": {"kind": "oncall", "routes": {"login service": "Data Platform", "blob store": "Checkout", "iOS release train": "Storage", "card tokenizer": "Data Platform"}, "primary": {"Data Platform": "Farah", "Checkout": "Viktor", "Storage": "Mira"}, "secondary": {"Data Platform": "Lena", "Checkout": "Beatriz", "Storage": "Tess"}, "manager": {"Data Platform": "Petra", "Checkout": "Omar", "Storage": "Noah"}, "leave": {"Viktor": [["2026-06-08", "2026-06-15"]], "Beatriz": [["2026-05-30", "2026-06-01"]], "Mira": [["2026-06-06", "2026-06-11"]]}, "component": "blob store", "date": "2026-06-03", "options_q": {"paged": {"omar": "omar", "mira": "mira", "beatriz": "beatriz", "viktor": "viktor"}}}, "text_sha256": "10aef8bf62de05517e1d52234dc38c493003b55b772154cf5c90deaa2727d1eb", "state_tokens": 284}}
{"state": "STAFF HEALTH REIMBURSEMENT PLAN RULES\nIssued by the Staff Welfare Fund\nIn this policy, \"the Plan\" means the Staff Welfare Fund and \"the Member\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Plan, before any deductible, limit or sublimit is applied.\n(2) Business day means Monday to Friday, excluding public holidays.\n(3) Frames means spectacle frames bought without new lenses.\n(4) Hearing accessories means batteries, chargers and cleaning kits.\n(5) Hearing aid replacement period means 36 months from the purchase of hearing aids funded by the plan.\n(6) Major restorative work means crowns, bridges, root canal treatment and implants.\n(7) Massage therapy means sports massage, massage therapy and reflexology.\n(8) Orthodontics means braces and clear aligners.\n(9) Plan year means the twelve months starting on the Member's coverage start date.\n(10) Premium means the amount the Member must pay for this policy, including any taxes.\n(11) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(12) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(13) Replacement period means 12 months from the date of the Member's last eyewear claim.\n(14) Schedule means the document issued with this policy that shows the Member's details, the covers the Member bought and any extensions.\n\n§ 2  Limits and deductible\n(1) Dental Care: limit $1,000 per treatment; deductible $50 per claim.\n(2) Vision Care: limit $400 per treatment; deductible $40 per claim.\n(3) Therapy Services: limit $1,500 per treatment; deductible $50 per claim.\n(4) Hearing Care: limit $1,000 per treatment; deductible $150 per claim.\n(5) The deductible is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Reasonable precautions\n(1) The Member must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Member must take reasonable steps to recover lost or stolen property.\n\n§ 4  Market conditions\n(1) If the replacement item is no longer available, the Plan will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 5  Interest\n(1) The Plan will not pay interest on any claim payment unless the law requires it.\n\n§ 6  Assignment\n(1) The Member cannot transfer the Member's interest in this policy to anyone else without the Plan's written consent.\n\n§ 7  Dental Care\n(1) The Plan will reimburse the cost of dental treatment provided by a licensed dentist.\n(2) No cover applies under this section to any treatment that happens within the first 60 days after the policy start date.\n(3) The most the Plan will pay for Major restorative work under this section is $500 per treatment.\n(4) The most the Plan will pay for Orthodontics under this section is $800 per treatment.\n(5) The Plan will not pay for treatment that is mainly cosmetic, such as whitening or veneers. This exclusion does not apply to treatment needed to repair damage caused by an accident.\n(6) The Plan will not pay for treatment by a provider outside the plan's network. This exclusion does not apply to emergency treatment for sudden severe pain.\n\n§ 8  Instalment agreements\n(1) If the Member pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 9  Communication\n(1) The Plan will communicate with the Member in English.\n(2) The Plan may record telephone calls for training and quality purposes.\n\n§ 10  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 11  Wellness allowance\n(1) Each plan year the Member may claim up to $100 towards a gym membership or fitness class.\n(2) The wellness allowance is not subject to any deductible and does not count towards other limits.\n\n§ 12  Vision Care\n(1) The Plan will reimburse eye tests and prescription eyewear.\n(2) The most the Plan will pay for Frames under this section is $150 per treatment.\n(3) The Plan will not pay for eyewear without prescription lenses.\n(4) The Plan will not pay for a further eyewear claim within the replacement period.\n\n§ 13  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Plan may adjust the premium from the date of the change.\n\n§ 14  Sanctions\n(1) The Plan will not provide cover or pay any claim to the extent that doing so would expose the Plan to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 15  Automatic renewal\n(1) Unless the Member tells the Plan otherwise, this policy will renew automatically at the end of the policy period using the payment details the Plan holds.\n(2) The Member can switch off automatic renewal at any time by contacting the Plan's helpline.\n\n§ 16  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Plan may charge the premium without the discount from that date.\n\n§ 17  Coordination of benefits\n(1) If a treatment is also covered by another plan, the Plan will pay only the part of the cost that the other plan does not pay.\n(2) The Member must tell the Plan about any other plan that covers the Member or the Member's dependants.\n\n§ 18  Salvage\n(1) When the Plan replaces an item, the damaged or recovered item becomes the Plan's property.\n(2) If stolen property is recovered after the Plan has paid a claim, the Member must tell the Plan and either return the payment or give the Plan the property.\n\n§ 19  Appeals\n(1) If the Plan declines all or part of a claim, the Member may appeal in writing within 60 days of the decision.\n(2) An appeal will be reviewed by someone who was not involved in the original decision.\n(3) The Plan will give the Member a written decision on the appeal within 30 days.\n\n§ 20  Complaints\n(1) If the Member has a complaint, the Member should first contact the Plan's customer relations team, quoting the policy number.\n(2) The Plan will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Member remains dissatisfied, the Member may be able to refer the complaint to an independent ombudsman service.\n\n§ 21  Waiver\n(1) If the Plan does not enforce any term of this policy, that does not mean the Plan has given up the right to enforce it later.\n\n§ 22  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 23  Inflation\n(1) The Plan may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Member's renewal documents; limits do not change during a policy period.\n\n§ 24  Optional cover: Hearing Care\n(1) The Plan will reimburse hearing tests and hearing aids.\n(2) This section applies only if it is shown as purchased in the Member's schedule.\n(3) The most the Plan will pay for Hearing accessories under this section is $150 per treatment.\n(4) The Plan will not pay for replacement hearing aids bought within the hearing aid replacement period.\n\n§ 25  Cooperation\n(1) The Member must give the Plan all the help and information the Plan reasonably need to settle a claim.\n(2) The Member must not admit liability or offer to settle any claim without the Plan's written permission.\n\n§ 26  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 27  Leaving the plan\n(1) Cover ends on the day the Member's employment ends or the day the Member stops being eligible, whichever is earlier.\n(2) Claims for treatment received before cover ended may be submitted up to 90 days afterwards.\n\n§ 28  Payment of claims\n(1) The Plan will pay claims by bank transfer to an account in the Member's name.\n(2) The Plan aims to pay accepted claims within 15 working days of receiving all the documents the Plan needs.\n\n§ 29  Dependants\n(1) The Member may enrol dependants at the start of each plan year or within 30 days of a qualifying life event.\n(2) Benefits paid for dependants count towards the same annual limits as the Member's own claims.\n\n§ 30  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 31  Therapy Services\n(1) The Plan will reimburse physiotherapy, osteopathy and counselling provided by a registered practitioner.\n(2) The most the Plan will pay for Massage therapy under this section is $200 per treatment.\n(3) The Plan will not pay for treatment of an injury covered by workers' compensation.\n(4) The Plan will not pay for treatment by a practitioner who is not registered with the relevant professional body.\n\n§ 32  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 33  Data protection\n(1) The Plan will use the personal information the Member provides to administer this policy and to handle claims.\n(2) The Plan will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Member can ask for a copy of the personal information the Plan holds by writing to the Plan's data protection officer.\n\n§ 34  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 35  Premium payment\n(1) The Member must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 7 days of its due date, the Plan may cancel the policy after giving notice.\n\n§ 36  General exclusions\n(1) The Plan will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(2) The Plan will not pay for loss caused by nuclear radiation or radioactive contamination.\n(3) The Plan will not pay for loss or damage caused by war, invasion, or civil war.\n\n§ 37  Duty of fair presentation\n(1) The Member must answer all questions the Plan asks honestly and to the best of the Member's knowledge.\n(2) If the Member gives incorrect information deliberately or recklessly, the Plan may treat this policy as if it never existed and keep the premium.\n(3) If the Member gives incorrect information carelessly, the Plan may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 38  Cancellation\n(1) The Member can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Member can cancel at any time; the Plan will refund the premium for the unexpired period less an administration charge of $30.\n(3) The Plan can cancel this policy by giving the Member 30 days' written notice to the last address the Plan holds.\n\n§ 39  Environmental commitment\n(1) Where practical, the Plan will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Member may ask for a new part instead, and the Plan will tell the Member whether any additional cost would apply.\n\n§ 40  Making a claim\n(1) The Member must notify the Plan of a claim within 90 days of the treatment. The Plan will not pay any claim notified after that time.\n(2) The Plan may appoint a loss adjuster to investigate any claim.\n(3) The Member must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 41  Third-party administrators\n(1) The Plan may appoint another company to handle claims or other services on the Plan's behalf.\n(2) Any company the Plan appoints must follow the terms of this policy and applicable data protection law.\n\n=== CLAIM ===\nClaim summary: Beatriz Tanaka; policy K305545; policy start 13 April 2026; schedule covers Dental Care, Vision Care, Therapy Services, Hearing Care; extensions none. Section claimed: Dental Care, for a scale and polish. Treatment date 13 June 2026; notified 26 August 2026; assessed loss $1,166.40. Facts: The dentist is not part of the plan's network. Beatriz submitted receipts through the benefits portal. Beatriz's spouse is also enrolled in the plan. Beatriz joined the company's finance team two years ago.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_waiting": "Decline: the treatment happened during the waiting period (§ 7(2))", "deny_out_of_network": "Decline under the out-of-network providers exclusion (§ 7(6))", "deny_cosmetic": "Decline under the cosmetic treatment exclusion (§ 7(5))", "pay_less_fee": "Pay the assessed loss less the deductible", "pay_sublimit": "Pay up to the Major restorative work sublimit (§ 7(3))"}, "src": "hard_long_policy", "label": "deny_out_of_network"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$1,116.40", "b": "$450", "c": "$950", "d": "$0", "e": "$1,000"}, "src": "hard_long_policy", "label": "d"}}, "_meta": {"id": "hard-v1/long_policy/development/00039", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00039", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "benefits", "target": "deny_exclusion", "category": "dental", "tempting": null, "facts": {"domain": "benefits", "fee_order": "before", "notice_days": 90, "categories": {"dental": {"limit": 1000, "fee": 50, "waiting": 60, "purchased": true}, "vision": {"limit": 400, "fee": 40, "waiting": 0, "purchased": true}, "therapy": {"limit": 1500, "fee": 50, "waiting": 0, "purchased": true}, "hearing": {"limit": 1000, "fee": 150, "waiting": 0, "purchased": true}}, "classes": {"major": {"category": "dental", "cap": 500}, "ortho": {"category": "dental", "cap": 800}, "frames": {"category": "vision", "cap": 150}, "massage": {"category": "therapy", "cap": 200}, "accessories": {"category": "hearing", "cap": 150}}, "exclusions": [{"key": "cosmetic", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "out_of_network", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "non_prescription", "categories": ["vision"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "frequency", "categories": ["vision"], "kind": "threshold", "thr": 12, "cmp": "lt", "has_exception": false}, {"key": "work_injury", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unregistered", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "replacement", "categories": ["hearing"], "kind": "threshold", "thr": 36, "cmp": "lt", "has_exception": false}], "case": {"category": "dental", "item": "the scale and polish", "item_class": null, "loss_cents": 116640, "start": "2026-04-13", "incident": "2026-06-13", "reported": "2026-08-26", "conditions": {"out_of_network": true}, "values": {}, "exceptions": {"out_of_network": false}}, "options_q": {"outcome": {"deny_waiting": "deny_waiting", "deny_out_of_network": "deny_out_of_network", "deny_cosmetic": "deny_cosmetic", "pay_less_fee": "pay_less_fee", "pay_sublimit": "pay_sublimit"}, "amount": {"a": 111640, "b": 45000, "c": 95000, "d": 0, "e": 100000}}}, "text_sha256": "cf7cb6ae5454808056d88c096016ada6ac4619a159502a505136b74cb8ec61de", "state_tokens": 3086}}
{"state": "MEMO\nRe: Alert from push gateway\n\nPaging rule: an alert pages the owning team's primary on-call; if the primary is on leave that day, it pages the secondary; if the secondary is also on leave, it pages the team's engineering manager. Kenji is on leave from July 16, 2026 to July 26, 2026 inclusive. Alerts from the push gateway are owned by the Data Platform team.\n\nThis week's Data Platform primary on-call is Beatriz and the secondary is Kenji. The Payments engineering manager is Idris. Wen is on leave from July 24, 2026 to July 27, 2026 inclusive.\n\nAlerts from the login service are owned by the Mobile team. The Mobile engineering manager is Fiona. Alerts from the event pipeline are owned by the Payments team.\n\nThis week's Payments primary on-call is Hugo and the secondary is Viktor. Alerts from the cart service are owned by the Payments team. The Data Platform engineering manager is Diego.\n\nThis week's Mobile primary on-call is Wen and the secondary is Amara. Beatriz is on leave from July 18, 2026 to July 23, 2026 inclusive. On July 20, 2026, an alert fired from the push gateway.", "questions": {"paged": {"type": "choice", "instructions": "Who is the right person to page?", "criteria": {"beatriz": null, "kenji": null, "diego": null, "hugo": null}, "src": "hard_multi_hop", "label": "diego"}}, "_meta": {"id": "hard-v1/multi_hop/development/00041", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00041", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "oncall", "facts": {"kind": "oncall", "routes": {"cart service": "Payments", "push gateway": "Data Platform", "login service": "Mobile", "event pipeline": "Payments"}, "primary": {"Payments": "Hugo", "Data Platform": "Beatriz", "Mobile": "Wen"}, "secondary": {"Payments": "Viktor", "Data Platform": "Kenji", "Mobile": "Amara"}, "manager": {"Payments": "Idris", "Data Platform": "Diego", "Mobile": "Fiona"}, "leave": {"Beatriz": [["2026-07-18", "2026-07-23"]], "Kenji": [["2026-07-16", "2026-07-26"]], "Wen": [["2026-07-24", "2026-07-27"]]}, "component": "push gateway", "date": "2026-07-20", "options_q": {"paged": {"beatriz": "beatriz", "kenji": "kenji", "diego": "diego", "hugo": "hugo"}}}, "text_sha256": "6d932d5d6aad317e58312d39375385cd840c7a7cf51fae6d27abf4d610b8f560", "state_tokens": 288}}
{"state": "MEMO\nRe: Alert precision\n\nA credit model flags loan applications. Historically, five percent of applications are going to default. When one of the applications is going to default, the system flags it ninety-nine percent of the time.\n\nWhen one of the applications is not going to default, the system still flags it ten percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that one of the applications that the system has flagged is actually going to default?", "criteria": {"a": "99.0%", "b": "5.0%", "c": "34.3%", "d": "90.0%", "e": "89.0%"}, "src": "hard_probability", "label": "c"}, "more_likely": {"type": "noul", "instructions": "Per the figures given, Is one of the applications that the system has flagged more likely than not to be going to default?", "src": "hard_probability", "label": false}}, "_meta": {"id": "hard-v1/probability/development/00046", "source": "hard_probability", "group_id": "hard-v1/probability/development/00046", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "bayes", "facts": {"kind": "bayes", "p": {"base": "5/100", "sens": "99/100", "fpr": "10/100"}, "options_q": {"value": {"a": 990, "b": 50, "c": 343, "d": 900, "e": 890}}, "qid2": "more_likely"}, "text_sha256": "fe2af16a5bd97d79114c6457ea83c445a10e3b91fdcce3c7e6496694f88c9daf", "state_tokens": 71}}
{"state": "MEMO\nRe: Complaint response deadline\n\nHarbor & Pine must answer every formal complaint within 14 business days of receiving it. Business days are Monday to Friday, excluding the public holidays listed here; the day the complaint is received does not count. Public holidays this year: Remembrance Day (Monday 13 April 2026); Harvest Day (Monday 11 May 2026); Civic Day (Wednesday 3 June 2026).\n\nA complaint was received on Tuesday 5 May 2026.", "questions": {"due": {"type": "choice", "instructions": "Compute the due date.", "criteria": {"a": "25 May 2026", "b": "26 May 2026", "c": "19 May 2026", "d": "27 May 2026"}, "src": "hard_temporal_numeric", "label": "b"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00039", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00039", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "deadline", "facts": {"kind": "deadline", "received": "2026-05-05", "n": 14, "holidays": ["2026-04-13", "2026-05-11", "2026-06-03"], "options_q": {"due": {"a": "2026-05-25", "b": "2026-05-26", "c": "2026-05-19", "d": "2026-05-27"}}}, "text_sha256": "4f8143ddf8ff2fd03fa603dffe288bb0f84a0f438f20df744bcf95e626362eb5", "state_tokens": 115}}
{"state": "MEMO\nRe: Alert from login service\n\nPaging rule: an alert pages the owning team's primary on-call; if the primary is on leave that day, it pages the secondary; if the secondary is also on leave, it pages the team's engineering manager. The Identity engineering manager is Priya. Felix is on leave from April 8, 2026 to April 14, 2026 inclusive.\n\nLotte is on leave from April 5, 2026 to April 13, 2026 inclusive. This week's Data Platform primary on-call is Felix and the secondary is Leila. Alerts from the cart service are owned by the Storage team.\n\nViktor is on leave from April 7, 2026 to April 16, 2026 inclusive. Alerts from the login service are owned by the Data Platform team. Leila is on leave from April 5, 2026 to April 16, 2026 inclusive.\n\nThe Storage engineering manager is Arjun. Alerts from the iOS release train are owned by the Identity team. Alerts from the push gateway are owned by the Storage team.\n\nThis week's Identity primary on-call is Viktor and the secondary is Greta. The Data Platform engineering manager is Emeka. This week's Storage primary on-call is Lotte and the secondary is Samir.\n\nOn April 10, 2026, an alert fired from the login service.", "questions": {"paged": {"type": "choice", "instructions": "Who is the right person to page?", "criteria": {"emeka": null, "felix": null, "lotte": null, "leila": null}, "src": "hard_multi_hop", "label": "emeka"}}, "_meta": {"id": "hard-v1/multi_hop/development/00005", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00005", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "oncall", "facts": {"kind": "oncall", "routes": {"push gateway": "Storage", "login service": "Data Platform", "iOS release train": "Identity", "cart service": "Storage"}, "primary": {"Storage": "Lotte", "Data Platform": "Felix", "Identity": "Viktor"}, "secondary": {"Storage": "Samir", "Data Platform": "Leila", "Identity": "Greta"}, "manager": {"Storage": "Arjun", "Data Platform": "Emeka", "Identity": "Priya"}, "leave": {"Felix": [["2026-04-08", "2026-04-14"]], "Leila": [["2026-04-05", "2026-04-16"]], "Lotte": [["2026-04-05", "2026-04-13"]], "Viktor": [["2026-04-07", "2026-04-16"]]}, "component": "login service", "date": "2026-04-10", "options_q": {"paged": {"emeka": "emeka", "felix": "felix", "lotte": "lotte", "leila": "leila"}}}, "text_sha256": "e35225944940fd9dd54ed09c608636a77e052ed6416194f7e8b5f37c6366047a", "state_tokens": 317}}
{"state": "MEMO\nRe: Comparing odds\n\nThere is a sixty-five percent chance that the ad campaign beats its target. There is a eighty-five percent chance that the candidate accepts the offer; these two are independent. There is a sixty percent chance that the supplier delivers on time.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which is more likely?", "criteria": {"second_event": "That the supplier delivers on time", "equally_likely": "They are equally likely", "first_event": "Both of these happen: the ad campaign beats its target, and the candidate accepts the offer"}, "src": "hard_probability", "label": "second_event"}}, "_meta": {"id": "hard-v1/probability/development/00050", "source": "hard_probability", "group_id": "hard-v1/probability/development/00050", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "compare", "facts": {"kind": "compare", "p": {}, "a": {"op": "and", "p1": "65/100", "p2": "85/100"}, "b": "3/5", "options_q": {"choice": {"second_event": "second_event", "equally_likely": "equally_likely", "first_event": "first_event"}}}, "text_sha256": "5e16df911da2f506e5a045af1569b09fe58770f4b45ecace9c991d3f0162847b", "state_tokens": 56}}
{"state": "SPEC SHEET: a CI/CD provider for the platform team\nPipewright | monthly cost=$2,375 | median build time=10 minutes | parallel jobs=10 jobs | vendor stability score=3/10 | security score=7/10 | ease of use score=9/10 | self-hosted runners=yes | SSO login=yes\nForge Runner | monthly cost=$600 | median build time=27 minutes | parallel jobs=62 jobs | vendor stability score=6/10 | security score=5/10 | ease of use score=9/10 | self-hosted runners=yes | SSO login=yes\nRelay CI | monthly cost=$1,725 | median build time=23 minutes | parallel jobs=12 jobs | vendor stability score=7/10 | security score=3/10 | ease of use score=5/10 | self-hosted runners=no | SSO login=yes\nR1: its median build time must be at most 16 minutes\nSelection: Each option has been scored from 1 to 10 on vendor stability, security and ease of use (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 40% vendor stability, 40% security, 20% ease of use.", "questions": {"choice": {"type": "choice", "instructions": "Which provider best satisfies the brief?", "criteria": {"relay_ci": null, "forge_runner": null, "pipewright": null}, "src": "hard_tradeoff", "label": "pipewright"}, "meets": {"type": "noul", "instructions": "Does Forge Runner meet every hard requirement?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00042", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00042", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "provider", "none_case": false, "facts": {"rule": "weighted", "options": {"Pipewright": {"cost": 2375, "build": 10, "concurrency": 10, "selfhosted": true, "sso": true, "vendor stability": 3, "security": 7, "ease of use": 9}, "Forge Runner": {"cost": 600, "build": 27, "concurrency": 62, "selfhosted": true, "sso": true, "vendor stability": 6, "security": 5, "ease of use": 9}, "Relay CI": {"cost": 1725, "build": 23, "concurrency": 12, "selfhosted": false, "sso": true, "vendor stability": 7, "security": 3, "ease of use": 5}}, "constraints": [{"attr": "build", "op": "<=", "value": 16}], "priority": [], "weights": {"vendor stability": 40, "security": 40, "ease of use": 20}, "years": null, "check": "Forge Runner", "options_q": {"choice": {"relay_ci": "relay_ci", "forge_runner": "forge_runner", "pipewright": "pipewright"}}}, "text_sha256": "993591954629349475d9b444875f472356b7a893b06b933f2ada34caf509f1ab", "state_tokens": 291}}
{"state": "STAFF HEALTH REIMBURSEMENT PLAN RULES\nIssued by the Staff Welfare Fund\nIn this policy, \"the Plan\" means the Staff Welfare Fund and \"the Member\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Plan, before any deductible, limit or sublimit is applied.\n(2) Business day means Monday to Friday, excluding public holidays.\n(3) Dependant means the Member's spouse or partner, or a child under 21 who is enrolled in the plan.\n(4) Family means the Member's spouse or partner and any children who live with the Member.\n(5) Frames means spectacle frames bought without new lenses.\n(6) Hearing accessories means batteries, chargers and cleaning kits.\n(7) Hearing aid replacement period means 36 months from the purchase of hearing aids funded by the plan.\n(8) Incident means a single event, or a series of events arising from one cause.\n(9) Limit means the most the Plan will pay for all claims under a section arising from one treatment.\n(10) Major restorative work means crowns, bridges, root canal treatment and implants.\n(11) Massage therapy means sports massage, massage therapy and reflexology.\n(12) Network provider means a practitioner or clinic that has an agreement with the Plan to provide treatment.\n(13) Orthodontics means braces and clear aligners.\n(14) Plan year means the twelve months starting on the Member's coverage start date.\n(15) Policy period means twelve months from the policy start date shown in the Member's schedule.\n(16) Premium means the amount the Member must pay for this policy, including any taxes.\n(17) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(18) Registered practitioner means a practitioner registered with the professional body for their discipline.\n(19) Replacement period means 24 months from the date of the Member's last eyewear claim.\n(20) Schedule means the document issued with this policy that shows the Member's details, the covers the Member bought and any extensions.\n(21) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n\n§ 2  Limits and deductible\n(1) Dental Care: limit $1,500 per treatment; deductible $50 per claim.\n(2) Vision Care: limit $300 per treatment; deductible $40 per claim.\n(3) Therapy Services: limit $1,000 per treatment; deductible $75 per claim.\n(4) Hearing Care: limit $1,000 per treatment; deductible $150 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the deductible is then deducted from the result.\n\n§ 3  Arbitration\n(1) If the Plan accepts a claim but disagree with the Member about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Plan.\n\n§ 4  Wellness allowance\n(1) Each plan year the Member may claim up to $100 towards a gym membership or fitness class.\n(2) The wellness allowance is not subject to any deductible and does not count towards other limits.\n\n§ 5  Electronic documents\n(1) The Plan will send documents by email unless the Member asks for paper copies.\n(2) The Member must tell the Plan if the Member's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 6  Third-party administrators\n(1) The Plan may appoint another company to handle claims or other services on the Plan's behalf.\n(2) Any company the Plan appoints must follow the terms of this policy and applicable data protection law.\n\n§ 7  Assignment\n(1) The Member cannot transfer the Member's interest in this policy to anyone else without the Plan's written consent.\n\n§ 8  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Plan will pay only the Plan's proportionate share.\n(2) The Member must tell the Plan about any other insurance that covers the same loss when the Member makes a claim.\n\n§ 9  Records and evidence\n(1) The Member should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Plan may base any settlement on the price of a comparable item.\n(3) The Plan may ask for evidence of how and when an item was acquired.\n\n§ 10  Claims documents\n(1) The Member must provide, at the Member's own expense, original receipts, invoices, reports and any other evidence the Plan reasonably ask for.\n(2) The Plan may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 11  Dental Care\n(1) The Plan will reimburse the cost of dental treatment provided by a licensed dentist.\n(2) No cover applies under this section to any treatment that happens within the first 90 days after the policy start date.\n(3) The most the Plan will pay for Major restorative work under this section is $750 per treatment.\n(4) The most the Plan will pay for Orthodontics under this section is $800 per treatment.\n(5) The Plan will not pay for treatment that is mainly cosmetic, such as whitening or veneers. This exclusion does not apply to treatment needed to repair damage caused by an accident.\n(6) The Plan will not pay for treatment by a provider outside the plan's network. This exclusion does not apply to emergency treatment for sudden severe pain.\n\n§ 12  Cooperation\n(1) The Member must give the Plan all the help and information the Plan reasonably need to settle a claim.\n(2) The Member must not admit liability or offer to settle any claim without the Plan's written permission.\n\n§ 13  Payment of claims\n(1) The Plan will pay claims by bank transfer to an account in the Member's name.\n(2) The Plan aims to pay accepted claims within 15 working days of receiving all the documents the Plan needs.\n\n§ 14  Appeals\n(1) If the Plan declines all or part of a claim, the Member may appeal in writing within 60 days of the decision.\n(2) An appeal will be reviewed by someone who was not involved in the original decision.\n(3) The Plan will give the Member a written decision on the appeal within 30 days.\n\n§ 15  Leaving the plan\n(1) Cover ends on the day the Member's employment ends or the day the Member stops being eligible, whichever is earlier.\n(2) Claims for treatment received before cover ended may be submitted up to 90 days afterwards.\n\n§ 16  Renewal\n(1) The Plan will write to the Member at least 21 days before the end of the policy period with the renewal terms.\n(2) The Plan is not obliged to offer renewal.\n\n§ 17  Complaints\n(1) If the Member has a complaint, the Member should first contact the Plan's customer relations team, quoting the policy number.\n(2) The Plan will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Member remains dissatisfied, the Member may be able to refer the complaint to an independent ombudsman service.\n\n§ 18  Environmental commitment\n(1) Where practical, the Plan will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Member may ask for a new part instead, and the Plan will tell the Member whether any additional cost would apply.\n\n§ 19  Customer support\n(1) The Plan's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Member can leave a message and the Plan will call back on the next working day.\n\n§ 20  Recovery of costs\n(1) If the Plan pays a claim that is later found not to be covered, the Plan may ask the Member to repay the amount.\n\n§ 21  Automatic renewal\n(1) Unless the Member tells the Plan otherwise, this policy will renew automatically at the end of the policy period using the payment details the Plan holds.\n(2) The Member can switch off automatic renewal at any time by contacting the Plan's helpline.\n\n§ 22  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 23  Therapy Services\n(1) The Plan will reimburse physiotherapy, osteopathy and counselling provided by a registered practitioner.\n(2) The most the Plan will pay for Massage therapy under this section is $300 per treatment.\n(3) The Plan will not pay for treatment of an injury covered by workers' compensation.\n(4) The Plan will not pay for treatment by a practitioner who is not registered with the relevant professional body.\n\n§ 24  Optional cover: Hearing Care\n(1) The Plan will reimburse hearing tests and hearing aids.\n(2) This section applies only if it is shown as purchased in the Member's schedule.\n(3) The most the Plan will pay for Hearing accessories under this section is $150 per treatment.\n(4) The Plan will not pay for replacement hearing aids bought within the hearing aid replacement period.\n\n§ 25  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 26  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Plan may charge the premium without the discount from that date.\n\n§ 27  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 28  Vision Care\n(1) The Plan will reimburse eye tests and prescription eyewear.\n(2) The most the Plan will pay for Frames under this section is $120 per treatment.\n(3) The Plan will not pay for eyewear without prescription lenses.\n(4) The Plan will not pay for a further eyewear claim within the replacement period.\n\n§ 29  Premium payment\n(1) The Member must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Plan may cancel the policy after giving notice.\n\n§ 30  Duty of fair presentation\n(1) The Member must answer all questions the Plan asks honestly and to the best of the Member's knowledge.\n(2) If the Member gives incorrect information deliberately or recklessly, the Plan may treat this policy as if it never existed and keep the premium.\n(3) If the Member gives incorrect information carelessly, the Plan may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 31  Inflation\n(1) The Plan may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Member's renewal documents; limits do not change during a policy period.\n\n§ 32  Salvage\n(1) When the Plan replaces an item, the damaged or recovered item becomes the Plan's property.\n(2) If stolen property is recovered after the Plan has paid a claim, the Member must tell the Plan and either return the payment or give the Plan the property.\n\n§ 33  Instalment agreements\n(1) If the Member pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 34  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 35  Waiver\n(1) If the Plan does not enforce any term of this policy, that does not mean the Plan has given up the right to enforce it later.\n\n§ 36  Communication\n(1) The Plan will communicate with the Member in English.\n(2) The Plan may record telephone calls for training and quality purposes.\n\n§ 37  Notices\n(1) Any notice the Plan gives under this policy will be sent to the most recent postal or email address the Plan holds.\n(2) Notices from the Member should be sent to the address shown in the schedule.\n\n§ 38  Data protection\n(1) The Plan will use the personal information the Member provides to administer this policy and to handle claims.\n(2) The Plan will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Member can ask for a copy of the personal information the Plan holds by writing to the Plan's data protection officer.\n\n§ 39  Market conditions\n(1) If the replacement item is no longer available, the Plan will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 40  Reasonable precautions\n(1) The Member must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Member must take reasonable steps to recover lost or stolen property.\n\n§ 41  General exclusions\n(1) The Plan will not pay for any fraudulent claim or any claim supported by false documents.\n(2) The Plan will not pay for any deliberate or criminal act by the Member.\n(3) The Plan will not pay for loss arising from a government order or sanction that prohibits the Plan from paying.\n(4) The Plan will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(5) The Plan will not pay for loss caused by nuclear radiation or radioactive contamination.\n\n§ 42  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Plan will not pay the claim and all cover under this policy may be cancelled.\n(2) The Plan may share information with fraud prevention agencies and other insurers.\n\n§ 43  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 44  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Plan may adjust the premium from the date of the change.\n\n§ 45  Coordination of benefits\n(1) If a treatment is also covered by another plan, the Plan will pay only the part of the cost that the other plan does not pay.\n(2) The Member must tell the Plan about any other plan that covers the Member or the Member's dependants.\n\n§ 46  Interest\n(1) The Plan will not pay interest on any claim payment unless the law requires it.\n\n§ 47  Exchange of information\n(1) To prevent fraud, the Plan may check the details the Member gives against public records and industry databases.\n(2) The Plan may contact previous insurers to confirm the Member's claims history.\n\n§ 48  Dependants\n(1) The Member may enrol dependants at the start of each plan year or within 30 days of a qualifying life event.\n(2) Benefits paid for dependants count towards the same annual limits as the Member's own claims.\n\n§ 49  Making a claim\n(1) The Member must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Plan may appoint a loss adjuster to investigate any claim.\n(3) The Member must notify the Plan of a claim within 30 days of the treatment. The Plan will not pay any claim notified after that time.\n\n§ 50  Sanctions\n(1) The Plan will not provide cover or pay any claim to the extent that doing so would expose the Plan to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 51  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 52  Compensation scheme\n(1) The Plan is covered by a financial services compensation scheme.\n(2) If the Plan cannot meet the Plan's obligations, the Member may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 53  Cancellation\n(1) The Member can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Member can cancel at any time; the Plan will refund the premium for the unexpired period less an administration charge of $30.\n(3) The Plan can cancel this policy by giving the Member 30 days' written notice to the last address the Plan holds.\n\n§ 54  Change of address\n(1) The Member must tell the Plan within 30 days if the Member changes the Member's address.\n(2) The Plan may change the premium or the terms from the date of the move.\n\n=== CLAIM ===\nClaim summary: Dmitri Lindqvist; policy B443677; policy start 21 June 2025; schedule covers Dental Care, Vision Care, Therapy Services, Hearing Care; extensions none. Section claimed: Hearing Care, for a pair of hearing aids. Treatment date 26 March 2026; notified 2 April 2026; assessed loss $1,595. Facts: An audiologist recommended the purchase after a hearing test. Dmitri's spouse is also enrolled in the plan.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_limit": "Pay up to the Hearing Care limit", "pay_sublimit": "Pay up to the Hearing accessories sublimit (§ 24(3))", "pay_less_fee": "Pay the assessed loss less the deductible", "deny_late": "Decline: the claim was notified too late (§ 49(3))", "deny_waiting": "Decline: the treatment happened during the waiting period (§ 11(2))"}, "src": "hard_long_policy", "label": "pay_limit"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$1,445", "b": "$0", "c": "$1,595", "d": "$850", "e": "$1,000"}, "src": "hard_long_policy", "label": "d"}}, "_meta": {"id": "hard-v1/long_policy/development/00007", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00007", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "benefits", "target": "pay_limit", "category": "hearing", "tempting": null, "facts": {"domain": "benefits", "fee_order": "after", "notice_days": 30, "categories": {"dental": {"limit": 1500, "fee": 50, "waiting": 90, "purchased": true}, "vision": {"limit": 300, "fee": 40, "waiting": 0, "purchased": true}, "therapy": {"limit": 1000, "fee": 75, "waiting": 0, "purchased": true}, "hearing": {"limit": 1000, "fee": 150, "waiting": 0, "purchased": true}}, "classes": {"major": {"category": "dental", "cap": 750}, "ortho": {"category": "dental", "cap": 800}, "frames": {"category": "vision", "cap": 120}, "massage": {"category": "therapy", "cap": 300}, "accessories": {"category": "hearing", "cap": 150}}, "exclusions": [{"key": "cosmetic", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "out_of_network", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "non_prescription", "categories": ["vision"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "frequency", "categories": ["vision"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}, {"key": "work_injury", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unregistered", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "replacement", "categories": ["hearing"], "kind": "threshold", "thr": 36, "cmp": "lt", "has_exception": false}], "case": {"category": "hearing", "item": "the hearing aids", "item_class": null, "loss_cents": 159500, "start": "2025-06-21", "incident": "2026-03-26", "reported": "2026-04-02", "conditions": {}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"pay_limit": "pay_limit", "pay_sublimit": "pay_sublimit", "pay_less_fee": "pay_less_fee", "deny_late": "deny_late", "deny_waiting": "deny_waiting"}, "amount": {"a": 144500, "b": 0, "c": 159500, "d": 85000, "e": 100000}}}, "text_sha256": "45db882b3a49ecdf018f6ee35dc5fe8cfe661e651beeb6e5fd90cb73bbba5c32", "state_tokens": 4043}}
{"state": "MEMO\nRe: Project funding decision\n\nThe planning team must fund exactly one of 3 projects and wants the highest expected net value (expected payoff minus up-front cost). Project Fjord costs $40,000 up front and has a sixty percent chance of a gain of $620,000; a fifteen percent chance of a gain of $510,000; a twenty-five percent chance of a gain of $320,000. Project Cedar costs $30,000 up front and has a twenty percent chance of a gain of $0; a eighty percent chance of a loss of $160,000.\n\nProject Beacon costs $90,000 up front and has a five percent chance of a gain of $590,000; a fifty-five percent chance of a gain of $320,000; a forty percent chance of a loss of $140,000.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which project has the highest expected net value?", "criteria": {"project_cedar": null, "project_fjord": null, "project_beacon": null}, "src": "hard_probability", "label": "project_fjord"}, "value": {"type": "choice", "instructions": "Per the figures given, What is the expected net value of Project Beacon?", "criteria": {"a": "$500,000", "b": "-$30,500", "c": "$59,500", "d": "$166,666", "e": "$149,500"}, "src": "hard_probability", "label": "c"}}, "_meta": {"id": "hard-v1/probability/development/00077", "source": "hard_probability", "group_id": "hard-v1/probability/development/00077", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "ev", "facts": {"kind": "ev", "p": {}, "projects": {"Project Fjord": {"outcomes": [["60/100", 620000], ["15/100", 510000], ["25/100", 320000]], "cost": 40000}, "Project Cedar": {"outcomes": [["20/100", 0], ["80/100", -160000]], "cost": 30000}, "Project Beacon": {"outcomes": [["5/100", 590000], ["55/100", 320000], ["40/100", -140000]], "cost": 90000}}, "asked": "Project Beacon", "options_q": {"choice": {"project_cedar": "project_cedar", "project_fjord": "project_fjord", "project_beacon": "project_beacon"}, "value": {"a": 500000, "b": -30500, "c": 59500, "d": 166666, "e": 149500}}}, "text_sha256": "45667be2f6cb41d4251b8f3e731677a377af35276e249f1245f223ab0661306c", "state_tokens": 211}}
{"state": "SPEC SHEET: a managed cloud provider for the analytics platform\nArcadia Hosting | monthly cost=$2,250 | p95 latency=115 ms | uptime commitment=99.97% | reliability score=7/10 | support quality score=10/10 | vendor stability score=10/10 | SOC 2 Type II report=no | EU data residency=yes\nHalcyon Compute | monthly cost=$3,200 | p95 latency=60 ms | uptime commitment=99.55% | reliability score=4/10 | support quality score=9/10 | vendor stability score=10/10 | SOC 2 Type II report=no | EU data residency=no\nDriftnet | monthly cost=$1,550 | p95 latency=220 ms | uptime commitment=99.54% | reliability score=5/10 | support quality score=5/10 | vendor stability score=8/10 | SOC 2 Type II report=no | EU data residency=no\nStratus Cloud | monthly cost=$2,550 | p95 latency=210 ms | uptime commitment=99.80% | reliability score=7/10 | support quality score=5/10 | vendor stability score=7/10 | SOC 2 Type II report=yes | EU data residency=no\nCorelink | monthly cost=$3,750 | p95 latency=235 ms | uptime commitment=99.66% | reliability score=10/10 | support quality score=4/10 | vendor stability score=9/10 | SOC 2 Type II report=yes | EU data residency=yes\nR1: it must offer EU data residency\nR2: its p95 latency must be at most 225 ms\nSelection: Each option has been scored from 1 to 10 on reliability, support quality and vendor stability (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 60% reliability, 25% support quality, 15% vendor stability.", "questions": {"choice": {"type": "choice", "instructions": "Which provider best satisfies the brief?", "criteria": {"stratus_cloud": null, "halcyon_compute": null, "corelink": null, "driftnet": null, "arcadia_hosting": null, "none_qualifies": "None of the options meets every requirement"}, "src": "hard_tradeoff", "label": "arcadia_hosting"}, "meets": {"type": "noul", "instructions": "Does Halcyon Compute meet every hard requirement?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00001", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00001", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "provider", "none_case": false, "facts": {"rule": "weighted", "options": {"Arcadia Hosting": {"cost": 2250, "latency": 115, "uptime": 9997, "soc2": false, "eu": true, "reliability": 7, "support quality": 10, "vendor stability": 10}, "Halcyon Compute": {"cost": 3200, "latency": 60, "uptime": 9955, "soc2": false, "eu": false, "reliability": 4, "support quality": 9, "vendor stability": 10}, "Driftnet": {"cost": 1550, "latency": 220, "uptime": 9954, "soc2": false, "eu": false, "reliability": 5, "support quality": 5, "vendor stability": 8}, "Stratus Cloud": {"cost": 2550, "latency": 210, "uptime": 9980, "soc2": true, "eu": false, "reliability": 7, "support quality": 5, "vendor stability": 7}, "Corelink": {"cost": 3750, "latency": 235, "uptime": 9966, "soc2": true, "eu": true, "reliability": 10, "support quality": 4, "vendor stability": 9}}, "constraints": [{"attr": "eu", "op": "is", "value": true}, {"attr": "latency", "op": "<=", "value": 225}], "priority": [], "weights": {"reliability": 60, "support quality": 25, "vendor stability": 15}, "years": null, "check": "Halcyon Compute", "options_q": {"choice": {"stratus_cloud": "stratus_cloud", "halcyon_compute": "halcyon_compute", "corelink": "corelink", "driftnet": "driftnet", "arcadia_hosting": "arcadia_hosting", "none_qualifies": "none_qualifies"}}}, "text_sha256": "563928bb6b18cf06e7bfde44eb652f2caee3828c36779c4708b634ebc480a137", "state_tokens": 468}}
{"state": "MEMO\nRe: Reliability estimate\n\nA checkout succeeds only if all 3 independent steps succeed: the tax service, the address validator, the warehouse API. The tax service succeeds ninety-two percent of the time. The address validator succeeds ninety-nine percent of the time.\n\nThe warehouse API succeeds seventy percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that a checkout fails?", "criteria": {"a": "36.2%", "b": "70.0%", "c": "0.0%", "d": "63.8%", "e": "100.0%"}, "src": "hard_probability", "label": "a"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that a checkout fails?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 2}}, "_meta": {"id": "hard-v1/probability/development/00060", "source": "hard_probability", "group_id": "hard-v1/probability/development/00060", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "independent", "facts": {"kind": "independent", "p": {}, "ps": ["92/100", "99/100", "70/100"], "ask": "any_fail", "options_q": {"value": {"a": 362, "b": 700, "c": 0, "d": 638, "e": 1000}}, "qid2": "bucket"}, "text_sha256": "80763c8163d727a989d7e940d45c6f1a203f6218c42fea13fefa8a881aa0ee1b", "state_tokens": 66}}
{"state": "REVIEW REQUEST\nItem: After a 15% discount, a jacket costs $343.40. What was the price before the discount, to the nearest cent?\nSubmitted result: $404.00", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$358.40", "b": "$394.91", "c": "$404.00", "d": "$404.01", "e": "$291.89"}, "src": "hard_judge", "label": "c"}}, "_meta": {"id": "hard-v1/judge/development/00049", "source": "hard_judge", "group_id": "hard-v1/judge/development/00049", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "reverse_pct", "error": null, "facts": {"kind": "reverse_pct", "args": {"after": "1717/5", "p": "3/20"}, "dp": 2, "proposed": 40400, "error": null, "options_q": {"value": {"a": 35840, "b": 39491, "c": 40400, "d": 40401, "e": 29189}}}, "text_sha256": "3c6eb7a0a6d60d4c58e48fc782aa5219e92d89a66c3268c4dc81a431cd1164be", "state_tokens": 49}}
{"state": "MEMO\nRe: Return window\n\nReturns are accepted if the return request is made within 30 days of delivery. Kenji Whitfield ordered a standing desk on 2025-10-23. Kenji asked to return it on 2025-11-27.\n\nThe desk is unused and in its original packaging.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "reject_return": "Reject the return as outside the window", "accept_return": "Accept the return"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00031", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00030", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "return_window", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": false, "facts": {"scenario": "return_window", "insufficient_key": "not_enough_information", "params": {"window": 30, "order": "2025-10-23", "delivered": null, "request": "2025-11-27"}, "deciding_present": false, "options_q": {"decision": {"not_enough_information": "not_enough_information", "reject_return": "reject_return", "accept_return": "accept_return"}}}, "text_sha256": "63847b5c2e692991ceb47a01464627fe3d0365d744143b9fcc7c2af444abd3a2", "state_tokens": 76}}
{"state": "MEMO\nRe: Complaint response deadline\n\nVantage Print must answer every formal complaint within 4 business days of receiving it. Business days are Monday to Friday, excluding the public holidays listed here; the day the complaint is received does not count. Public holidays this year: Heritage Day (Monday 12 April 2027); Spring Holiday (Wednesday 28 April 2027); Company Day (Friday 30 April 2027); Founders' Day (Sunday 23 May 2027).\n\nA complaint was received on Tuesday 27 April 2027.", "questions": {"due": {"type": "choice", "instructions": "Compute the due date.", "criteria": {"a": "4 May 2027", "b": "6 May 2027", "c": "3 May 2027", "d": "5 May 2027", "e": "1 May 2027"}, "src": "hard_temporal_numeric", "label": "d"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00082", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00082", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "deadline", "facts": {"kind": "deadline", "received": "2027-04-27", "n": 4, "holidays": ["2027-04-12", "2027-04-28", "2027-04-30", "2027-05-23"], "options_q": {"due": {"a": "2027-05-04", "b": "2027-05-06", "c": "2027-05-03", "d": "2027-05-05", "e": "2027-05-01"}}}, "text_sha256": "2d86e35ad3c34d18d719d2d1de6b59d9d33618444adc1875a803d5d50280bca4", "state_tokens": 130}}
{"state": "TRAVEL INSURANCE POLICY WORDING\nIssued by Bluewater Assurance\nIn this policy, \"the Insurer\" means Bluewater Assurance and \"the Insured Person\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(2) Business day means Monday to Friday, excluding public holidays.\n(3) Dental treatment means treatment of the teeth or gums.\n(4) Excursions and tickets means pre-booked excursions, tours, and event or theatre tickets.\n(5) Family means the Insured Person's spouse or partner and any children who live with the Insured Person.\n(6) Hazardous activity means skydiving, motor racing, or trekking or climbing above 3,000 metres.\n(7) Incident means a single event, or a series of events arising from one cause.\n(8) Limit means the most the Insurer will pay for all claims under a section arising from one incident.\n(9) Physiotherapy means treatment of muscles and joints by a physiotherapist.\n(10) Policy period means twelve months from the policy start date shown in the Insured Person's schedule.\n(11) Pre-existing condition means any illness or injury for which the Insured Person received treatment or advice in the 6 months before the policy start date.\n(12) Premium means the amount the Insured Person must pay for this policy, including any taxes.\n(13) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(14) Public transport means any scheduled train, bus, coach, ferry or aircraft.\n(15) Qualifying delay means a delay to the scheduled departure of more than 6 hours.\n(16) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(17) Schedule means the document issued with this policy that shows the Insured Person's details, the covers the Insured Person bought and any extensions.\n(18) Sports equipment means skis, snowboards, golf clubs, surfboards and bicycles.\n(19) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(20) Territory means the countries in which cover applies, as shown in the schedule.\n(21) Travelling companion means a person who has booked to travel with the Insured Person on the same trip.\n(22) Trip means a journey that starts and ends in the Insured Person's home country during the policy period.\n(23) Valuables means laptops, tablets, mobile phones, cameras, watches and jewellery.\n\n§ 2  Limits and excess\n(1) Baggage and Personal Belongings: limit $3,000 per incident; excess $100 per claim.\n(2) Emergency Medical Expenses: limit $50,000 per incident; excess $250 per claim.\n(3) Trip Cancellation: limit $5,000 per incident; excess $100 per claim.\n(4) Travel Delay: limit $500 per incident; excess $50 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 4  Repatriation\n(1) If the Insurer's medical adviser agrees it is necessary, the Insurer will arrange and pay for the Insured Person to be brought home.\n(2) The Insurer will decide the method of transport and the time of repatriation after speaking to the treating doctor.\n\n§ 5  Claims documents\n(1) The Insured Person must provide, at the Insured Person's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 6  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Insured Person must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 7  Baggage and Personal Belongings\n(1) The Insurer will pay for the loss of, theft of, or damage to the Insured Person's baggage and personal belongings during the trip.\n(2) The most the Insurer will pay for Valuables under this section is $400 per incident.\n(3) The most the Insurer will pay for Sports equipment under this section is $450 per incident.\n(4) The Insurer will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Insurer will not pay for loss caused by confiscation or detention by customs or other officials.\n(6) The Insurer will not pay for damage caused by wear and tear or gradual deterioration.\n\n§ 8  Customer support\n(1) The Insurer's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Insured Person can leave a message and the Insurer will call back on the next working day.\n\n§ 9  Emergency assistance\n(1) The Insurer's emergency assistance service is available 24 hours a day on the number shown in the schedule.\n(2) The Insured Person must contact the assistance service before being admitted to hospital as an in-patient, unless it is an emergency.\n(3) The assistance service can arrange payment guarantees, interpreters and transport home.\n\n§ 10  Environmental commitment\n(1) Where practical, the Insurer will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Insured Person may ask for a new part instead, and the Insurer will tell the Insured Person whether any additional cost would apply.\n\n§ 11  Arbitration\n(1) If the Insurer accepts a claim but disagree with the Insured Person about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Insurer.\n\n§ 12  Premium payment\n(1) The Insured Person must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Insurer may cancel the policy after giving notice.\n\n§ 13  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 14  Personal liability\n(1) The Insurer will pay damages the Insured Person becomes legally liable to pay for accidental injury to another person or accidental damage to their property during the trip.\n(2) This section does not cover liability arising from the use of motor vehicles, boats or aircraft.\n(3) The most the Insurer will pay under this section is $5,000,000 for all claims arising from one event.\n\n§ 15  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 16  Emergency Medical Expenses\n(1) The Insurer will pay reasonable and necessary emergency medical costs incurred during the trip.\n(2) The most the Insurer will pay for Dental treatment under this section is $400 per incident.\n(3) The most the Insurer will pay for Physiotherapy under this section is $300 per incident.\n(4) The Insurer will not pay for treatment of a pre-existing condition.\n(5) The Insurer will not pay for injury or illness arising from a hazardous activity. This exclusion does not apply if the Adventure Sports extension is shown in the Insured Person's schedule.\n(6) The Insurer will not pay for any claim arising from the Insured Person's being under the influence of alcohol or drugs.\n\n§ 17  Optional cover: Travel Delay\n(1) The Insurer will pay reasonable costs of meals and accommodation if the Insured Person's outbound departure is delayed.\n(2) This section applies only if it is shown as purchased in the Insured Person's schedule.\n(3) The Insurer will not pay for any delay that is not a qualifying delay.\n\n§ 18  Market conditions\n(1) If the replacement item is no longer available, the Insurer will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 19  Trip Cancellation\n(1) The Insurer will pay non-refundable travel and accommodation costs if the Insured Person must cancel the trip for a reason beyond the Insured Person's control.\n(2) No cover applies under this section to any incident that happens within the first 14 days after the policy start date.\n(3) The most the Insurer will pay for Excursions and tickets under this section is $300 per incident.\n(4) The Insurer will not pay for cancellation caused by a strike or other event that had been publicly announced before the Insured Person bought the policy.\n(5) The Insurer will not pay for cancellation because the Insured Person no longer wish to travel.\n\n§ 20  General exclusions\n(1) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n(2) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(3) The Insurer will not pay for any deliberate or criminal act by the Insured Person.\n(4) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n(5) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(6) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n\n§ 21  Making a claim\n(1) The Insurer may appoint a loss adjuster to investigate any claim.\n(2) The Insured Person must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Insured Person must notify the Insurer of a claim within 60 days of the incident. The Insurer will not pay any claim notified after that time.\n\n=== CLAIM ===\nClaim summary: Ashok Dubois; policy H837478; policy start 9 September 2025; schedule covers Baggage and Personal Belongings, Emergency Medical Expenses, Trip Cancellation, Travel Delay; extensions none. Section claimed: Travel Delay, for meals and a hotel night during a departure delay. Incident date 27 March 2026; notified 15 June 2026; assessed loss $272. Facts: The delay was caused by a technical fault with the aircraft. The departure was delayed by 8 hours. The destination was a coastal town Ashok had visited before.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_late": "Decline: the claim was notified too late (§ 21(3))", "not_covered": "Decline: Travel Delay is not a cover shown in the schedule", "pay_limit": "Pay up to the Travel Delay limit", "deny_short_delay": "Decline under the short delays exclusion (§ 17(3))", "pay_less_fee": "Pay the assessed loss less the excess"}, "src": "hard_long_policy", "label": "deny_late"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$272", "b": "$0", "c": "$222", "d": "$450", "e": "$500"}, "src": "hard_long_policy", "label": "b"}}, "_meta": {"id": "hard-v1/long_policy/development/00015", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00015", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "travel", "target": "deny_late", "category": "delay", "tempting": "short_delay", "facts": {"domain": "travel", "fee_order": "before", "notice_days": 60, "categories": {"baggage": {"limit": 3000, "fee": 100, "waiting": 0, "purchased": true}, "medical": {"limit": 50000, "fee": 250, "waiting": 0, "purchased": true}, "cancellation": {"limit": 5000, "fee": 100, "waiting": 14, "purchased": true}, "delay": {"limit": 500, "fee": 50, "waiting": 0, "purchased": true}}, "classes": {"valuables": {"category": "baggage", "cap": 400}, "sports": {"category": "baggage", "cap": 450}, "dental": {"category": "medical", "cap": 400}, "physio": {"category": "medical", "cap": 300}, "excursions": {"category": "cancellation", "cap": 300}}, "exclusions": [{"key": "unattended", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "confiscation", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pre_existing", "categories": ["medical"], "kind": "threshold", "thr": 6, "cmp": "le", "has_exception": false}, {"key": "hazardous", "categories": ["medical"], "kind": "threshold", "thr": 3000, "cmp": "gt", "has_exception": true}, {"key": "intoxication", "categories": ["medical"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "known_event", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "change_of_mind", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "short_delay", "categories": ["delay"], "kind": "threshold", "thr": 6, "cmp": "le", "has_exception": false}], "case": {"category": "delay", "item": "the meals and hotel", "item_class": null, "loss_cents": 27200, "start": "2025-09-09", "incident": "2026-03-27", "reported": "2026-06-15", "conditions": {}, "values": {"short_delay": 8}, "exceptions": {}}, "options_q": {"outcome": {"deny_late": "deny_late", "not_covered": "not_covered", "pay_limit": "pay_limit", "deny_short_delay": "deny_short_delay", "pay_less_fee": "pay_less_fee"}, "amount": {"a": 27200, "b": 0, "c": 22200, "d": 45000, "e": 50000}}}, "text_sha256": "c90a0c673560e19a17245d5906762bb6b52298190fdee3011a6d1f7c72f842ab", "state_tokens": 2585}}
{"state": "MEMO\nRe: Price match\n\nWe match a competitor's lower price for an identical item if the competitor has it in stock at the time of the request, but we never match a price more than 15% below ours. If the competitor's price is not lower, no adjustment is needed. Tomas Nguyen asked us to match Umber Robotics's price for the same blender model. Our price is $263.00; Umber Robotics lists it at $283.00.\n\nUmber Robotics was out of stock when Tomas asked. Tomas is a returning customer.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"match_price": "Match the competitor's price", "not_enough_information": "The information given is not enough to decide", "decline_match": "Decline the price match", "no_adjustment": "No adjustment needed"}, "src": "hard_ambiguous", "label": "no_adjustment"}}, "_meta": {"id": "hard-v1/ambiguous/development/00024", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00024", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "price_match", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "price_match", "insufficient_key": "not_enough_information", "params": {"ours_cents": 26300, "theirs_cents": 28300, "max_gap_pct": 15, "in_stock": false}, "deciding_present": true, "options_q": {"decision": {"match_price": "match_price", "not_enough_information": "not_enough_information", "decline_match": "decline_match", "no_adjustment": "no_adjustment"}}}, "text_sha256": "766ce7075313466670133ca8dfea4ada24d8df81656629261d26eeb6ce9bc619", "state_tokens": 122}}
{"state": "MEMO\nRe: Quarterly breakdown\n\nCounts of checkout sessions yesterday by device and outcome: mobile: 323 abandoned cart, 224 completed purchase. desktop: 379 abandoned cart, 83 completed purchase.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, Among records that were abandoned cart, what share came from mobile?", "criteria": {"a": "54.2%", "b": "46.0%", "c": "69.6%", "d": "32.0%", "e": "59.0%"}, "src": "hard_probability", "label": "b"}}, "_meta": {"id": "hard-v1/probability/development/00063", "source": "hard_probability", "group_id": "hard-v1/probability/development/00063", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "table", "facts": {"kind": "table", "p": {}, "counts": {"mobile": {"abandoned cart": 323, "completed purchase": 224}, "desktop": {"abandoned cart": 379, "completed purchase": 83}}, "row": "mobile", "col": "abandoned cart", "ask": "row_given_col", "options_q": {"value": {"a": 542, "b": 460, "c": 696, "d": 320, "e": 590}}}, "text_sha256": "864ce02da6df35c298d55a4d23fe02f3ec3a077469dfc36597f529f7a3935785", "state_tokens": 49}}
{"state": "MEMO\nRe: Alert precision\n\nA credit model flags loan applications. Historically, thirty percent of applications are going to default. When one of the applications is going to default, the system flags it ninety-nine percent of the time.\n\nWhen one of the applications is not going to default, the system still flags it eight percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that one of the applications that the system has flagged is actually going to default?", "criteria": {"a": "92.0%", "b": "29.7%", "c": "84.1%", "d": "30.0%", "e": "99.0%"}, "src": "hard_probability", "label": "c"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that one of the applications that the system has flagged is going to default?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 4}}, "_meta": {"id": "hard-v1/probability/development/00029", "source": "hard_probability", "group_id": "hard-v1/probability/development/00029", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "bayes", "facts": {"kind": "bayes", "p": {"base": "30/100", "sens": "99/100", "fpr": "8/100"}, "options_q": {"value": {"a": 920, "b": 297, "c": 841, "d": 300, "e": 990}}, "qid2": "bucket"}, "text_sha256": "bf911de000a75fb79e8f2619515c32df6ff9e90e64982023007575f928d1746d", "state_tokens": 71}}
{"state": "SINGLE-TRIP TRAVEL PROTECTION PLAN\nIssued by Northstar Underwriting\nIn this policy, \"the Insurer\" means Northstar Underwriting and \"the Insured Person\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Qualifying delay means a delay to the scheduled departure of more than 6 hours.\n(2) Schedule means the document issued with this policy that shows the Insured Person's details, the covers the Insured Person bought and any extensions.\n\n§ 2  Limits and excess\n(1) Baggage and Personal Belongings: limit $2,000 per incident; excess $100 per claim.\n(2) Emergency Medical Expenses: limit $50,000 per incident; excess $150 per claim.\n(3) Trip Cancellation: limit $2,000 per incident; excess $100 per claim.\n(4) Travel Delay: limit $300 per incident; excess $50 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Claims documents\n(1) The Insured Person must provide, at the Insured Person's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 4  Optional cover: Travel Delay\n(1) The Insurer will pay reasonable costs of meals and accommodation if the Insured Person's outbound departure is delayed.\n(2) This section applies only if it is shown as purchased in the Insured Person's schedule.\n(3) The Insurer will not pay for any delay that is not a qualifying delay.\n\n§ 5  Market conditions\n(1) If the replacement item is no longer available, the Insurer will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 6  Data protection\n(1) The Insurer will use the personal information the Insured Person provides to administer this policy and to handle claims.\n(2) The Insurer will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Insured Person can ask for a copy of the personal information the Insurer holds by writing to the Insurer's data protection officer.\n\n§ 7  General exclusions\n(1) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n(2) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n(3) The Insurer will not pay for any deliberate or criminal act by the Insured Person.\n\n§ 8  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 9  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 10  Legal expenses abroad\n(1) The Insurer will pay legal costs to pursue compensation for the Insured Person's injury or death caused by a third party during the trip.\n(2) The Insurer will not pay legal costs unless the Insurer's legal adviser agrees that the claim has a reasonable prospect of success.\n\n§ 11  Making a claim\n(1) The Insured Person must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Insurer may appoint a loss adjuster to investigate any claim.\n(3) The Insured Person must notify the Insurer of a claim within 60 days of the incident. The Insurer will not pay any claim notified after that time.\n\n§ 12  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 13  Inflation\n(1) The Insurer may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Insured Person's renewal documents; limits do not change during a policy period.\n\n§ 14  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 15  Duty of fair presentation\n(1) The Insured Person must answer all questions the Insurer asks honestly and to the best of the Insured Person's knowledge.\n(2) If the Insured Person gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Insured Person gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 16  Third-party administrators\n(1) The Insurer may appoint another company to handle claims or other services on the Insurer's behalf.\n(2) Any company the Insurer appoints must follow the terms of this policy and applicable data protection law.\n\n§ 17  Complaints\n(1) If the Insured Person has a complaint, the Insured Person should first contact the Insurer's customer relations team, quoting the policy number.\n(2) The Insurer will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Insured Person remains dissatisfied, the Insured Person may be able to refer the complaint to an independent ombudsman service.\n\n§ 18  Assignment\n(1) The Insured Person cannot transfer the Insured Person's interest in this policy to anyone else without the Insurer's written consent.\n\n§ 19  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 20  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Insured Person gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Insured Person's claims history.\n\n§ 21  Rental car excess\n(1) If the Insured Person hires a car during the trip, the Insurer will reimburse any excess the Insured Person must pay to the hire company after accidental damage to the car.\n(2) This section applies only to cars hired from a licensed rental company under a written agreement.\n\n§ 22  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 23  Payment of claims\n(1) The Insurer will pay claims by bank transfer to an account in the Insured Person's name.\n(2) The Insurer aims to pay accepted claims within 10 working days of receiving all the documents the Insurer needs.\n\n§ 24  Premium payment\n(1) The Insured Person must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Insurer may cancel the policy after giving notice.\n\n§ 25  Subrogation\n(1) The Insurer will be entitled to take over and conduct in the Insured Person's name the defence or settlement of any claim.\n(2) The Insurer can take action in the Insured Person's name to recover any payment the Insurer makes from anyone responsible for the loss.\n\n§ 26  Environmental commitment\n(1) Where practical, the Insurer will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Insured Person may ask for a new part instead, and the Insurer will tell the Insured Person whether any additional cost would apply.\n\n=== CLAIM ===\nClaim summary: Emeka Yilmaz; policy K556233; policy start 14 July 2025; schedule covers Baggage and Personal Belongings, Emergency Medical Expenses, Trip Cancellation; extensions none. Section claimed: Travel Delay, for meals and taxis during a long airport delay. Incident date 21 March 2026; notified 6 May 2026; assessed loss $417.40. Facts: The departure was delayed by 8 hours. The delay was caused by a technical fault with the aircraft. The destination was a coastal town Emeka had visited before.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_less_fee": "Pay the assessed loss less the excess", "deny_late": "Decline: the claim was notified too late (§ 11(3))", "deny_short_delay": "Decline under the short delays exclusion (§ 4(3))", "not_covered": "Decline: Travel Delay is not a cover shown in the schedule", "pay_limit": "Pay up to the Travel Delay limit"}, "src": "hard_long_policy", "label": "not_covered"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$250", "b": "$0", "c": "$300", "d": "$417.40", "e": "$367.40"}, "src": "hard_long_policy", "label": "b"}}, "_meta": {"id": "hard-v1/long_policy/development/00035", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00035", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "travel", "target": "not_covered", "category": "delay", "tempting": null, "facts": {"domain": "travel", "fee_order": "before", "notice_days": 60, "categories": {"baggage": {"limit": 2000, "fee": 100, "waiting": 0, "purchased": true}, "medical": {"limit": 50000, "fee": 150, "waiting": 0, "purchased": true}, "cancellation": {"limit": 2000, "fee": 100, "waiting": 7, "purchased": true}, "delay": {"limit": 300, "fee": 50, "waiting": 0, "purchased": false}}, "classes": {"valuables": {"category": "baggage", "cap": 250}, "sports": {"category": "baggage", "cap": 300}, "dental": {"category": "medical", "cap": 250}, "physio": {"category": "medical", "cap": 300}, "excursions": {"category": "cancellation", "cap": 200}}, "exclusions": [{"key": "unattended", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "confiscation", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pre_existing", "categories": ["medical"], "kind": "threshold", "thr": 12, "cmp": "le", "has_exception": false}, {"key": "hazardous", "categories": ["medical"], "kind": "threshold", "thr": 3000, "cmp": "gt", "has_exception": true}, {"key": "intoxication", "categories": ["medical"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "known_event", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "change_of_mind", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "short_delay", "categories": ["delay"], "kind": "threshold", "thr": 6, "cmp": "le", "has_exception": false}], "case": {"category": "delay", "item": "the meals and taxis", "item_class": null, "loss_cents": 41740, "start": "2025-07-14", "incident": "2026-03-21", "reported": "2026-05-06", "conditions": {}, "values": {"short_delay": 8}, "exceptions": {}}, "options_q": {"outcome": {"pay_less_fee": "pay_less_fee", "deny_late": "deny_late", "deny_short_delay": "deny_short_delay", "not_covered": "not_covered", "pay_limit": "pay_limit"}, "amount": {"a": 25000, "b": 0, "c": 30000, "d": 41740, "e": 36740}}}, "text_sha256": "e2bbd375f60be960381317aa3d8c4f97313466c8bc1b803b67afdbd91578b64a", "state_tokens": 1962}}
{"state": "MEMO\nRe: Outage: reporting-etl\n\nOutages propagate along hard dependencies: if a service goes down, every service that depends on it, directly or through other hard dependencies, is affected. Soft dependencies do not propagate outages. fraud-scorer depends on inventory-db. payments-gateway depends on reporting-etl.\n\ngeo-lookup depends on payments-gateway (soft dependency: it degrades gracefully and keeps working if payments-gateway is down). reporting-etl depends on email-relay. catalog-api depends on pricing-engine.\n\nsession-cache depends on auth-service. inventory-db depends on pricing-engine. auth-service depends on payments-gateway.\n\nreporting-etl is currently down.", "questions": {"affected": {"type": "choice", "instructions": "Which of these will the outage reach?", "criteria": {"geo_lookup": null, "none_affected": "None of these services is affected", "email_relay": null, "catalog_api": null}, "src": "hard_multi_hop", "label": "none_affected"}}, "_meta": {"id": "hard-v1/multi_hop/development/00083", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00083", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "deps", "hops": 3, "soft": true, "facts": {"kind": "deps", "edges": [["payments-gateway", "reporting-etl", false], ["auth-service", "payments-gateway", false], ["session-cache", "auth-service", false], ["reporting-etl", "email-relay", false], ["inventory-db", "pricing-engine", false], ["catalog-api", "pricing-engine", false], ["geo-lookup", "payments-gateway", true], ["fraud-scorer", "inventory-db", false]], "down": "reporting-etl", "candidates": ["email-relay", "catalog-api", "geo-lookup"], "options_q": {"affected": {"geo_lookup": "geo_lookup", "none_affected": "none_affected", "email_relay": "email_relay", "catalog_api": "catalog_api"}}}, "text_sha256": "7c477b4ab08647c0d69c70877206111935e7bc507968b42c5dac1d7ae6a305b7", "state_tokens": 143}}
{"state": "ELECTRONICS CARE PLAN\nIssued by Brightline Device Cover\nIn this policy, \"the Provider\" means Brightline Device Cover and \"the Customer\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Battery replacement means replacement batteries and battery repairs.\n(2) Device means the item shown in the schedule, bought new from an authorised retailer.\n(3) Manufacturer's warranty period means the first 12 months after the device was bought.\n(4) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n\n§ 2  Limits and service fee\n(1) Accidental Damage: limit $1,500 per incident; service fee $79 per claim.\n(2) Breakdown: limit $1,000 per incident; service fee $49 per claim.\n(3) Theft and Loss: limit $800 per incident; service fee $99 per claim.\n(4) Any limit or sublimit is applied to the assessed loss first, and the service fee is then deducted from the result.\n\n§ 3  Cancellation\n(1) The Customer can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Customer can cancel at any time; the Provider will refund the premium for the unexpired period less an administration charge of $25.\n(3) The Provider can cancel this policy by giving the Customer 30 days' written notice to the last address the Provider holds.\n\n§ 4  Breakdown\n(1) The Provider will repair or replace the Customer's device if it stops working because of an electrical or mechanical fault.\n(2) No cover applies under this section to any incident that happens within the first 30 days after the policy start date.\n(3) The most the Provider will pay for Battery replacement under this section is $120 per incident.\n(4) The Provider will not pay for breakdowns during the manufacturer's warranty period.\n(5) The Provider will not pay for breakdown caused by liquid getting into the device.\n\n§ 5  Duty of fair presentation\n(1) The Customer must answer all questions the Provider asks honestly and to the best of the Customer's knowledge.\n(2) If the Customer gives incorrect information deliberately or recklessly, the Provider may treat this policy as if it never existed and keep the premium.\n(3) If the Customer gives incorrect information carelessly, the Provider may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 6  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 7  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Provider will pay only the Provider's proportionate share.\n(2) The Customer must tell the Provider about any other insurance that covers the same loss when the Customer makes a claim.\n\n§ 8  Communication\n(1) The Provider will communicate with the Customer in English.\n(2) The Provider may record telephone calls for training and quality purposes.\n\n§ 9  Data protection\n(1) The Provider will use the personal information the Customer provides to administer this policy and to handle claims.\n(2) The Provider will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Customer can ask for a copy of the personal information the Provider holds by writing to the Provider's data protection officer.\n\n§ 10  Unrecoverable devices\n(1) If a device is found after the Provider has replaced it, the found device becomes the Provider's property and must be sent to the Provider.\n(2) The Provider may block devices reported as lost or stolen so that they cannot be used on mobile networks.\n\n§ 11  Claims documents\n(1) The Customer must provide, at the Customer's own expense, original receipts, invoices, reports and any other evidence the Provider reasonably ask for.\n(2) The Provider may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 12  Reasonable precautions\n(1) The Customer must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Customer must take reasonable steps to recover lost or stolen property.\n\n§ 13  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 14  Customer support\n(1) The Provider's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Customer can leave a message and the Provider will call back on the next working day.\n\n§ 15  Transferring the plan\n(1) The Customer may transfer the plan to a new owner of the device by telling the Provider in writing.\n(2) The remaining term of the plan transfers with the device; the term does not restart.\n\n§ 16  Renewal\n(1) The Provider will write to the Customer at least 21 days before the end of the policy period with the renewal terms.\n(2) The Provider is not obliged to offer renewal.\n\n§ 17  General exclusions\n(1) The Provider will not pay for loss caused by nuclear radiation or radioactive contamination.\n(2) The Provider will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(3) The Provider will not pay for any fraudulent claim or any claim supported by false documents.\n\n§ 18  Changes in circumstances\n(1) The Customer must tell the Provider as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Provider may then change the premium or the terms of this policy, or cancel it.\n\n§ 19  Making a claim\n(1) The Customer must notify the Provider of a claim within 90 days of the incident. The Provider will not pay any claim notified after that time.\n(2) The Customer must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Provider may appoint a loss adjuster to investigate any claim.\n\n§ 20  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 21  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Provider will not pay the claim and all cover under this policy may be cancelled.\n(2) The Provider may share information with fraud prevention agencies and other insurers.\n\n§ 22  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 23  Replacement devices\n(1) If the Provider cannot repair the Customer's device economically, the Provider will replace it with a replacement device.\n(2) Replacement devices may be a different colour and may be refurbished to an as-new standard.\n(3) Accessories are replaced only if they were lost or damaged in the same incident as the device.\n\n§ 24  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n=== CLAIM ===\nClaim summary: Mira Sandoval; policy B440749; policy start 23 October 2025; schedule covers Accidental Damage, Breakdown; extensions none. Section claimed: Breakdown, for a smartphone battery that no longer holds a charge. Incident date 28 January 2026; notified 27 April 2026; assessed loss $305. Facts: The device was bought 14 months before it broke down. The technician found a failed component on the main board. The technician found no sign of liquid inside the device. Mira bought the device from an authorised retailer. The device is registered in Mira's name. The retailer's receipt was uploaded with the claim.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_limit": "Pay up to the Breakdown limit", "deny_late": "Decline: the claim was notified too late (§ 19(1))", "deny_waiting": "Decline: the incident happened during the waiting period (§ 4(2))", "pay_sublimit": "Pay up to the Battery replacement sublimit (§ 4(3))", "deny_manufacturer_warranty": "Decline under the manufacturer's warranty period exclusion (§ 4(4))"}, "src": "hard_long_policy", "label": "pay_sublimit"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$71", "b": "$305", "c": "$951", "d": "$256", "e": "$120"}, "src": "hard_long_policy", "label": "a"}}, "_meta": {"id": "hard-v1/long_policy/development/00013", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00013", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "device", "target": "pay_sublimit", "category": "breakdown", "tempting": "manufacturer_warranty", "facts": {"domain": "device", "fee_order": "after", "notice_days": 90, "categories": {"accidental_damage": {"limit": 1500, "fee": 79, "waiting": 0, "purchased": true}, "breakdown": {"limit": 1000, "fee": 49, "waiting": 30, "purchased": true}, "theft_loss": {"limit": 800, "fee": 99, "waiting": 0, "purchased": false}}, "classes": {"accessories": {"category": "accidental_damage", "cap": 50}, "wearables": {"category": "accidental_damage", "cap": 300}, "battery": {"category": "breakdown", "cap": 120}, "accessories_tl": {"category": "theft_loss", "cap": 50}}, "exclusions": [{"key": "cosmetic_damage", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unauthorised_repair", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "manufacturer_warranty", "categories": ["breakdown"], "kind": "threshold", "thr": 12, "cmp": "lt", "has_exception": false}, {"key": "liquid", "categories": ["breakdown"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unattended", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "no_police_report", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "breakdown", "item": "the battery", "item_class": "battery", "loss_cents": 30500, "start": "2025-10-23", "incident": "2026-01-28", "reported": "2026-04-27", "conditions": {"liquid": false}, "values": {"manufacturer_warranty": 14}, "exceptions": {}}, "options_q": {"outcome": {"pay_limit": "pay_limit", "deny_late": "deny_late", "deny_waiting": "deny_waiting", "pay_sublimit": "pay_sublimit", "deny_manufacturer_warranty": "deny_manufacturer_warranty"}, "amount": {"a": 7100, "b": 30500, "c": 95100, "d": 25600, "e": 12000}}}, "text_sha256": "083a1a5190b79835b331d330f61f33166c45f42638396d8a859215efbe3f1946", "state_tokens": 1844}}
{"state": "RENTERS CONTENTS PROTECTION\nIssued by Lantern General Insurance\nIn this policy, \"the Insurer\" means Lantern General Insurance and \"the Policyholder\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Contents means household goods and personal possessions that belong to the Policyholder or the Policyholder's family.\n(2) Forcible entry means entry to the home that leaves visible damage to doors, windows or locks.\n(3) Garden items means garden furniture, plants and outdoor tools.\n(4) Home means the private residence at the address shown in the schedule.\n\n§ 2  Limits and excess\n(1) Theft: limit $10,000 per incident; excess $250 per claim.\n(2) Escape of Water: limit $15,000 per incident; excess $250 per claim.\n(3) Accidental Damage: limit $3,000 per incident; excess $100 per claim.\n(4) Flood: limit $40,000 per incident; excess $1,000 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Flood\n(1) The Insurer will pay for contents damaged by flood water entering the Policyholder's home.\n(2) No cover applies under this section to any incident that happens within the first 14 days after the policy start date.\n(3) The most the Insurer will pay for Garden items under this section is $1,000 per incident.\n(4) The Insurer will not pay for flood damage where a flood warning for the Policyholder's area had been issued before the policy started.\n\n§ 4  General exclusions\n(1) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n(2) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(3) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n\n§ 5  Making a claim\n(1) The Insurer may appoint a loss adjuster to investigate any claim.\n(2) The Policyholder must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Policyholder must notify the Insurer of a claim within 60 days of the incident. The Insurer will not pay any claim notified after that time.\n\n§ 6  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 7  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 8  Waiver\n(1) If the Insurer does not enforce any term of this policy, that does not mean the Insurer has given up the right to enforce it later.\n\n§ 9  Electronic documents\n(1) The Insurer will send documents by email unless the Policyholder asks for paper copies.\n(2) The Policyholder must tell the Insurer if the Policyholder's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 10  Renewal\n(1) The Insurer will write to the Policyholder at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 11  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Policyholder should be sent to the address shown in the schedule.\n\n§ 12  Claims documents\n(1) The Policyholder must provide, at the Policyholder's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 13  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n=== CLAIM ===\nClaim summary: Kenji Nguyen; policy K917800; policy start 2 July 2025; schedule covers Theft, Escape of Water, Flood; extensions none. Section claimed: Flood, for garden furniture and tools. Incident date 11 July 2025; notified 24 July 2025; assessed loss $1,581.40. Facts: Heavy rain caused the nearby river to burst its banks and flood the street. Kenji has lived at the property for four years.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"not_covered": "Decline: Flood is not a cover shown in the schedule", "deny_late": "Decline: the claim was notified too late (§ 5(3))", "deny_waiting": "Decline: the incident happened during the waiting period (§ 3(2))", "pay_limit": "Pay up to the Flood limit", "pay_less_fee": "Pay the assessed loss less the excess"}, "src": "hard_long_policy", "label": "deny_waiting"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$1,581.40", "b": "$0", "c": "$581.40", "d": "$39,000", "e": "$1,000"}, "src": "hard_long_policy", "label": "b"}}, "_meta": {"id": "hard-v1/long_policy/development/00014", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00014", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "home", "target": "deny_waiting", "category": "flood", "tempting": null, "facts": {"domain": "home", "fee_order": "before", "notice_days": 60, "categories": {"theft": {"limit": 10000, "fee": 250, "waiting": 0, "purchased": true}, "water": {"limit": 15000, "fee": 250, "waiting": 0, "purchased": true}, "accidental": {"limit": 3000, "fee": 100, "waiting": 0, "purchased": false}, "flood": {"limit": 40000, "fee": 1000, "waiting": 14, "purchased": true}}, "classes": {"high_risk": {"category": "theft", "cap": 2500}, "bicycles": {"category": "theft", "cap": 800}, "art": {"category": "water", "cap": 2000}, "portable": {"category": "accidental", "cap": 750}, "garden": {"category": "flood", "cap": 1000}}, "exclusions": [{"key": "unoccupied", "categories": ["theft"], "kind": "threshold", "thr": 45, "cmp": "gt", "has_exception": false}, {"key": "no_forced_entry", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "outbuilding", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "gradual", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "sealant", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pets", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear_home", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "flood_warning", "categories": ["flood"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "flood", "item": "the garden furniture and tools", "item_class": "garden", "loss_cents": 158140, "start": "2025-07-02", "incident": "2025-07-11", "reported": "2025-07-24", "conditions": {}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"not_covered": "not_covered", "deny_late": "deny_late", "deny_waiting": "deny_waiting", "pay_limit": "pay_limit", "pay_less_fee": "pay_less_fee"}, "amount": {"a": 158140, "b": 0, "c": 58140, "d": 3900000, "e": 100000}}}, "text_sha256": "b459e3797513e688d005ccc31efbde703c8d13f8e9550cb45104ad8a7851c1a7", "state_tokens": 1080}}
{"state": "HOME CONTENTS INSURANCE POLICY\nIssued by Lantern General Insurance\nIn this policy, \"the Insurer\" means Lantern General Insurance and \"the Policyholder\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Art and antiques means paintings, antiques, rugs and other works of art.\n(2) Bicycles means bicycles and electric scooters.\n(3) Business day means Monday to Friday, excluding public holidays.\n(4) Contents means household goods and personal possessions that belong to the Policyholder or the Policyholder's family.\n(5) Forcible entry means entry to the home that leaves visible damage to doors, windows or locks.\n(6) Garden items means garden furniture, plants and outdoor tools.\n(7) High-risk items means jewellery, watches, laptops, games consoles and cameras.\n(8) Limit means the most the Insurer will pay for all claims under a section arising from one incident.\n(9) Outbuilding means a shed, garage or greenhouse within the boundaries of the home.\n(10) Policy period means twelve months from the policy start date shown in the Policyholder's schedule.\n(11) Portable electronics means laptops, tablets and mobile phones.\n(12) Premium means the amount the Policyholder must pay for this policy, including any taxes.\n(13) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(14) Schedule means the document issued with this policy that shows the Policyholder's details, the covers the Policyholder bought and any extensions.\n(15) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(16) Unoccupied means not lived in by the Policyholder or a member of the Policyholder's family for more than 30 consecutive days.\n\n§ 2  Limits and excess\n(1) Theft: limit $20,000 per incident; excess $250 per claim.\n(2) Escape of Water: limit $30,000 per incident; excess $250 per claim.\n(3) Accidental Damage: limit $2,000 per incident; excess $100 per claim.\n(4) Flood: limit $40,000 per incident; excess $500 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the excess is then deducted from the result.\n\n§ 3  Theft\n(1) The Insurer will pay for contents stolen from the Policyholder's home.\n(2) The most the Insurer will pay for High-risk items under this section is $1,000 per incident.\n(3) The most the Insurer will pay for Bicycles under this section is $500 per incident.\n(4) The Insurer will not pay for theft while the home is unoccupied.\n(5) The Insurer will not pay for theft where there is no sign of forced entry to the home. This exclusion does not apply where the thief gained entry by deception, for example by posing as a utility worker.\n(6) The Insurer will not pay for theft from sheds, garages or other outbuildings. This exclusion does not apply if the outbuilding was locked and the theft involved forcible entry.\n\n§ 4  Optional cover: Accidental Damage\n(1) The Insurer will pay for sudden and unexpected accidental damage to the Policyholder's contents inside the home.\n(2) This section applies only if it is shown as purchased in the Policyholder's schedule.\n(3) The most the Insurer will pay for Portable electronics under this section is $500 per incident.\n(4) The Insurer will not pay for damage caused by pets.\n(5) The Insurer will not pay for wear and tear, or damage that happens gradually.\n\n§ 5  Flood\n(1) The Insurer will pay for contents damaged by flood water entering the Policyholder's home.\n(2) No cover applies under this section to any incident that happens within the first 14 days after the policy start date.\n(3) The most the Insurer will pay for Garden items under this section is $500 per incident.\n(4) The Insurer will not pay for flood damage where a flood warning for the Policyholder's area had been issued before the policy started.\n\n§ 6  Escape of Water\n(1) The Insurer will pay for contents damaged by water escaping from a fixed pipe, tank or domestic appliance.\n(2) The most the Insurer will pay for Art and antiques under this section is $1,000 per incident.\n(3) The Insurer will not pay for damage caused by water leaking gradually over a period of time.\n(4) The Insurer will not pay for damage caused by the failure of grout or sealant around baths and showers.\n\n§ 7  General exclusions\n(1) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n(2) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n(3) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(4) The Insurer will not pay for any deliberate or criminal act by the Policyholder.\n\n§ 8  Making a claim\n(1) The Policyholder must notify the Insurer of a claim within 21 days of the incident. The Insurer will not pay any claim notified after that time.\n(2) The Insurer may appoint a loss adjuster to investigate any claim.\n(3) The Policyholder must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 9  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 10  Environmental commitment\n(1) Where practical, the Insurer will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Policyholder may ask for a new part instead, and the Insurer will tell the Policyholder whether any additional cost would apply.\n\n§ 11  Claims documents\n(1) The Policyholder must provide, at the Policyholder's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 12  Premium payment\n(1) The Policyholder must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 21 days of its due date, the Insurer may cancel the policy after giving notice.\n\n§ 13  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Policyholder gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Policyholder's claims history.\n\n§ 14  Garden and outdoor cover\n(1) The Insurer will pay for plants, trees and shrubs in the garden of the home that are damaged by fire, lightning or theft.\n(2) The Insurer will not pay for damage caused by frost, storms, drought or animals.\n\n§ 15  Tenant's improvements\n(1) If the Policyholder rents the home, the Insurer will pay for damage to fixtures and fittings that the Policyholder installed and are responsible for.\n(2) This cover applies only to improvements the Policyholder paid for, not to items provided by the landlord.\n\n§ 16  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 17  Assignment\n(1) The Policyholder cannot transfer the Policyholder's interest in this policy to anyone else without the Insurer's written consent.\n\n§ 18  Complaints\n(1) If the Policyholder has a complaint, the Policyholder should first contact the Insurer's customer relations team, quoting the policy number.\n(2) The Insurer will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Policyholder remains dissatisfied, the Policyholder may be able to refer the complaint to an independent ombudsman service.\n\n§ 19  Payment of claims\n(1) The Insurer will pay claims by bank transfer to an account in the Policyholder's name.\n(2) The Insurer aims to pay accepted claims within 5 working days of receiving all the documents the Insurer needs.\n\n§ 20  Changes in circumstances\n(1) The Policyholder must tell the Insurer as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Insurer may then change the premium or the terms of this policy, or cancel it.\n\n§ 21  Instalment agreements\n(1) If the Policyholder pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 22  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 23  Customer support\n(1) The Insurer's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Policyholder can leave a message and the Insurer will call back on the next working day.\n\n§ 24  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Policyholder to repay the amount.\n\n§ 25  Compensation scheme\n(1) The Insurer is covered by a financial services compensation scheme.\n(2) If the Insurer cannot meet the Insurer's obligations, the Policyholder may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 26  Renewal\n(1) The Insurer will write to the Policyholder at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 27  Cooperation\n(1) The Policyholder must give the Insurer all the help and information the Insurer reasonably need to settle a claim.\n(2) The Policyholder must not admit liability or offer to settle any claim without the Insurer's written permission.\n\n§ 28  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 29  Change of address\n(1) The Policyholder must tell the Insurer within 30 days if the Policyholder changes the Policyholder's address.\n(2) The Insurer may change the premium or the terms from the date of the move.\n\n§ 30  Arbitration\n(1) If the Insurer accepts a claim but disagree with the Policyholder about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Insurer.\n\n§ 31  Records and evidence\n(1) The Policyholder should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 32  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 33  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 34  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Policyholder should be sent to the address shown in the schedule.\n\n§ 35  Cancellation\n(1) The Policyholder can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Policyholder can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $30.\n(3) The Insurer can cancel this policy by giving the Policyholder 30 days' written notice to the last address the Insurer holds.\n\n§ 36  Third-party administrators\n(1) The Insurer may appoint another company to handle claims or other services on the Insurer's behalf.\n(2) Any company the Insurer appoints must follow the terms of this policy and applicable data protection law.\n\n§ 37  Communication\n(1) The Insurer will communicate with the Policyholder in English.\n(2) The Insurer may record telephone calls for training and quality purposes.\n\n§ 38  Data protection\n(1) The Insurer will use the personal information the Policyholder provides to administer this policy and to handle claims.\n(2) The Insurer will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Policyholder can ask for a copy of the personal information the Insurer holds by writing to the Insurer's data protection officer.\n\n§ 39  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 40  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Insurer will pay only the Insurer's proportionate share.\n(2) The Policyholder must tell the Insurer about any other insurance that covers the same loss when the Policyholder makes a claim.\n\n§ 41  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 42  Reasonable precautions\n(1) The Policyholder must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Policyholder must take reasonable steps to recover lost or stolen property.\n\n§ 43  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Policyholder must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 44  Alternative accommodation\n(1) If the Policyholder's home cannot be lived in after damage covered by this policy, the Insurer will pay the reasonable cost of comparable temporary accommodation.\n(2) The Insurer will also pay for the temporary housing of pets that live with the Policyholder.\n(3) Cover ends when the home is fit to live in again or after twelve months, whichever is sooner.\n\n§ 45  Contents temporarily removed\n(1) The Policyholder's contents are covered while temporarily removed from the home to another building in the same country, for up to 60 days.\n(2) Contents in a student hall of residence are covered only if the student is a member of the Policyholder's family.\n\n§ 46  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 47  Locks and keys\n(1) If the keys to the Policyholder's home are lost or stolen, the Insurer will pay the cost of replacing the locks to the outside doors.\n(2) The most the Insurer will pay under this clause is $750 for any one claim.\n\n§ 48  Waiver\n(1) If the Insurer does not enforce any term of this policy, that does not mean the Insurer has given up the right to enforce it later.\n\n§ 49  Freezer contents\n(1) The Insurer will pay for food in a domestic freezer that spoils because of a rise or fall in temperature.\n(2) The Insurer will not pay if the freezer is more than fifteen years old, or if the electricity supplier cut the supply deliberately.\n\n§ 50  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 51  Subrogation\n(1) The Insurer will be entitled to take over and conduct in the Policyholder's name the defence or settlement of any claim.\n(2) The Insurer can take action in the Policyholder's name to recover any payment the Insurer makes from anyone responsible for the loss.\n\n§ 52  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 53  Market conditions\n(1) If the replacement item is no longer available, the Insurer will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 54  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 55  Automatic renewal\n(1) Unless the Policyholder tells the Insurer otherwise, this policy will renew automatically at the end of the policy period using the payment details the Insurer holds.\n(2) The Policyholder can switch off automatic renewal at any time by contacting the Insurer's helpline.\n\n§ 56  Duty of fair presentation\n(1) The Policyholder must answer all questions the Insurer asks honestly and to the best of the Policyholder's knowledge.\n(2) If the Policyholder gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Policyholder gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 57  Interest\n(1) The Insurer will not pay interest on any claim payment unless the law requires it.\n\n§ 58  Inflation\n(1) The Insurer may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Policyholder's renewal documents; limits do not change during a policy period.\n\n§ 59  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 60  Electronic documents\n(1) The Insurer will send documents by email unless the Policyholder asks for paper copies.\n(2) The Policyholder must tell the Insurer if the Policyholder's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n=== CLAIM ===\nClaim summary: Mira Kowalski; policy B653616; policy start 15 May 2026; schedule covers Theft, Escape of Water, Accidental Damage, Flood; extensions none. Section claimed: Escape of Water, for an antique rug. Incident date 28 February 2027; notified 24 March 2027; assessed loss $385. Facts: A pipe under the kitchen sink burst suddenly during a cold night and soaked the antique rug. Mira works from home three days a week. Mira has lived at the property for four years.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_gradual": "Decline under the gradual leaks exclusion (§ 6(3))", "pay_less_fee": "Pay the assessed loss less the excess", "pay_limit": "Pay up to the Escape of Water limit", "deny_late": "Decline: the claim was notified too late (§ 8(1))", "not_covered": "Decline: Escape of Water is not a cover shown in the schedule"}, "src": "hard_long_policy", "label": "deny_late"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$135", "b": "$1,000", "c": "$29,750", "d": "$750", "e": "$0"}, "src": "hard_long_policy", "label": "e"}}, "_meta": {"id": "hard-v1/long_policy/development/00050", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00050", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "home", "target": "deny_late", "category": "water", "tempting": null, "facts": {"domain": "home", "fee_order": "after", "notice_days": 21, "categories": {"theft": {"limit": 20000, "fee": 250, "waiting": 0, "purchased": true}, "water": {"limit": 30000, "fee": 250, "waiting": 0, "purchased": true}, "accidental": {"limit": 2000, "fee": 100, "waiting": 0, "purchased": true}, "flood": {"limit": 40000, "fee": 500, "waiting": 14, "purchased": true}}, "classes": {"high_risk": {"category": "theft", "cap": 1000}, "bicycles": {"category": "theft", "cap": 500}, "art": {"category": "water", "cap": 1000}, "portable": {"category": "accidental", "cap": 500}, "garden": {"category": "flood", "cap": 500}}, "exclusions": [{"key": "unoccupied", "categories": ["theft"], "kind": "threshold", "thr": 30, "cmp": "gt", "has_exception": false}, {"key": "no_forced_entry", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "outbuilding", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "gradual", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "sealant", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pets", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear_home", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "flood_warning", "categories": ["flood"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "water", "item": "the antique rug", "item_class": "art", "loss_cents": 38500, "start": "2026-05-15", "incident": "2027-02-28", "reported": "2027-03-24", "conditions": {}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"deny_gradual": "deny_gradual", "pay_less_fee": "pay_less_fee", "pay_limit": "pay_limit", "deny_late": "deny_late", "not_covered": "not_covered"}, "amount": {"a": 13500, "b": 100000, "c": 2975000, "d": 75000, "e": 0}}}, "text_sha256": "55864682efaef9e91f344f2408667a4f4e15308234015a68d945815983847290", "state_tokens": 4538}}
{"state": "MEMO\nRe: Subscription cancellation\n\nA customer paid $1,499.00 for an annual plan running from 12 March 2027 up to (but not including) 12 March 2028. They cancelled on 10 January 2028. Refund rule: refund the annual price multiplied by the number of unused days and divided by the number of days in the plan year; the cancellation day counts as used. Round to the nearest cent.", "questions": {"refund": {"type": "choice", "instructions": "Refund due:", "criteria": {"a": "$245.74", "b": "$1,249.17", "c": "$250.52", "d": "$253.93", "e": "$249.83"}, "src": "hard_temporal_numeric", "label": "e"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00056", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00056", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "prorata", "leap": true, "facts": {"kind": "prorata", "start": "2027-03-12", "end": "2028-03-12", "cancel": "2028-01-10", "price_cents": 149900, "options_q": {"refund": {"a": 24574, "b": 124917, "c": 25052, "d": 25393, "e": 24983}}}, "text_sha256": "183b1d26d00d0377d25ab0fde4ef468dbf39ad8aecde6e73d7409485a85b2e1b", "state_tokens": 105}}
{"state": "MEMO\nRe: Tenure\n\nEmployees are eligible for a sabbatical once they have completed 2 years of continuous employment with the company on the date they apply. Leila Laine applied for the sabbatical on 24 March 2025. Leila's start date with the company is not in the file.\n\nLeila moved to the Mobile team on 30 May 2022. Leila's manager supports the application.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_eligible": "Not yet eligible", "not_enough_information": "The information given is not enough to decide", "eligible": "Eligible for the sabbatical"}, "src": "hard_ambiguous", "label": "eligible"}}, "_meta": {"id": "hard-v1/ambiguous/development/00087", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00086", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "tenure", "twin": "absent", "absent_kind": "nondeciding", "explicit_unknown": true, "facts": {"scenario": "tenure", "insufficient_key": "not_enough_information", "params": {"years": 2, "apply": "2025-03-24", "hired": null, "moved": "2022-05-30"}, "deciding_present": false, "options_q": {"decision": {"not_eligible": "not_eligible", "not_enough_information": "not_enough_information", "eligible": "eligible"}}}, "text_sha256": "162992530fb00e4fcbc76d0be53e8e0261a381a3e1d120c91a1049c8b25e1890", "state_tokens": 97}}
{"state": "MEMO\nRe: Group structure\n\nAn entity controls a company if it holds more than 50% of that company's shares, counting shares it holds directly and shares held by companies it controls. Eastgate Partners owns 29% of Cresta Group. Aldermoor Holdings owns 22% of Cresta Group.\n\nDunmore Ventures owns 65% of Eastgate Partners. Garrow Trust owns 35% of Eastgate Partners. Dunmore Ventures owns 65% of Aldermoor Holdings.\n\nGarrow Trust owns 35% of Aldermoor Holdings. Ivel Holdings owns 49% of Cresta Group.", "questions": {"controller": {"type": "choice", "instructions": "Name the ultimate controller of Cresta Group.", "criteria": {"aldermoor_holdings": null, "dunmore_ventures": null, "no_controller": "No entity controls it", "eastgate_partners": null, "ivel_holdings": null}, "src": "hard_multi_hop", "label": "dunmore_ventures"}, "interest": {"type": "choice", "instructions": "What is Dunmore Ventures's effective economic interest in Cresta Group (its share of Cresta Group's profits through all holdings)?", "criteria": {"a": "66.4%", "b": "65.0%", "c": "51.0%", "d": "22.0%", "e": "33.2%"}, "src": "hard_multi_hop", "label": "e"}}, "_meta": {"id": "hard-v1/multi_hop/development/00097", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00097", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "ownership", "shape": "split", "facts": {"kind": "ownership", "stakes": {"Aldermoor Holdings": {"Dunmore Ventures": "65/100", "Garrow Trust": "35/100"}, "Eastgate Partners": {"Dunmore Ventures": "65/100", "Garrow Trust": "35/100"}, "Cresta Group": {"Aldermoor Holdings": "22/100", "Eastgate Partners": "29/100", "Ivel Holdings": "49/100"}}, "candidates": ["Dunmore Ventures", "Ivel Holdings", "Aldermoor Holdings", "Eastgate Partners"], "target": "Cresta Group", "top": "Dunmore Ventures", "options_q": {"controller": {"aldermoor_holdings": "aldermoor_holdings", "dunmore_ventures": "dunmore_ventures", "no_controller": "no_controller", "eastgate_partners": "eastgate_partners", "ivel_holdings": "ivel_holdings"}, "interest": {"a": 664, "b": 650, "c": 510, "d": 220, "e": 332}}}, "text_sha256": "bd36d2924f781c7c385a8d2a0efae9fec495fb7e93fdaed615d6427c77339ebf", "state_tokens": 138}}
{"state": "MEMO\nRe: Meeting across time zones\n\nA call is scheduled for Sunday, March 28, 12:45 AM Tokyo time. On that date Tokyo is on UTC+9 and Sao Paulo is on UTC-3. One attendee is in Sao Paulo.", "questions": {"local": {"type": "choice", "instructions": "Local start time in Sao Paulo:", "criteria": {"a": "Saturday, March 27, 11:45 AM", "b": "Sunday, March 28, 12:45 PM", "c": "Friday, March 26, 12:45 PM", "d": "Saturday, March 27, 12:45 PM", "e": "Saturday, March 27, 1:45 PM"}, "src": "hard_temporal_numeric", "label": "d"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00026", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00026", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "tz", "facts": {"kind": "tz", "start": "2027-03-28T00:45", "off_a": 9, "off_b": -3, "options_q": {"local": {"a": "2027-03-27T11:45", "b": "2027-03-28T12:45", "c": "2027-03-26T12:45", "d": "2027-03-27T12:45", "e": "2027-03-27T13:45"}}}, "text_sha256": "9573025414ef866a848bdf17d8841c3b27507ef138e130ea68f12b5014722b4e", "state_tokens": 57}}
{"state": "MEMO\nRe: Approval routing\n\nPurchase requests of this size must be approved by the nearest person above the requester in the reporting line whose title is Vice President or more senior. Seniority, from junior to senior: Analyst, Engineer, Manager, Senior Manager, Director, Vice President, Chief Executive. Nadia reports to Tess. Maya reports to Nadia.\n\nMira reports to Nadia. Greta reports to Samir. Greta is an Engineer.\n\nNadia is a Director. Omar is an Engineer. Mira is a Senior Manager.\n\nSamir is a Manager. Tess is a Vice President. Maya is a Senior Manager.\n\nJae is a Manager. Dmitri is a Chief Executive. Jae reports to Maya.\n\nOmar reports to Jae. Samir reports to Mira. Tess reports to Dmitri.\n\nGreta has submitted a purchase request for $50,750.", "questions": {"approver": {"type": "choice", "instructions": "Which person has to approve the request?", "criteria": {"dmitri": null, "nadia": null, "mira": null, "tess": null, "samir": null}, "src": "hard_multi_hop", "label": "tess"}}, "_meta": {"id": "hard-v1/multi_hop/development/00090", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00090", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "org", "rule": "title", "hops": 5, "facts": {"kind": "org", "reports": {"Tess": "Dmitri", "Nadia": "Tess", "Mira": "Nadia", "Maya": "Nadia", "Samir": "Mira", "Jae": "Maya", "Greta": "Samir", "Omar": "Jae"}, "titles": {"Dmitri": "Chief Executive", "Tess": "Vice President", "Nadia": "Director", "Mira": "Senior Manager", "Maya": "Senior Manager", "Samir": "Manager", "Jae": "Manager", "Greta": "Engineer", "Omar": "Engineer"}, "requester": "Greta", "rule": "title", "min_title": "Vice President", "options_q": {"approver": {"dmitri": "dmitri", "nadia": "nadia", "mira": "mira", "tess": "tess", "samir": "samir"}}}, "text_sha256": "ddd4ee266f3a8e87c27af162d63d3618aa1dbd3cc295e12da56d8c9980c6acd8", "state_tokens": 186}}
{"state": "MEMO\nRe: Invoice payment timing\n\nPayment reached the account on 3 February 2027. A late fee applies when payment arrives more than 60 days after the invoice date. Invoice 73901 was issued on 1 December 2026.", "questions": {"days": {"type": "choice", "instructions": "Number of days from invoice to payment:", "criteria": {"a": "63 days", "b": "66 days", "c": "64 days", "d": "62 days", "e": "65 days"}, "src": "hard_temporal_numeric", "label": "c"}, "late": {"type": "noul", "instructions": "Should the late fee be charged?", "src": "hard_temporal_numeric", "label": true}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00005", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00005", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "diff", "facts": {"kind": "diff", "invoice": "2026-12-01", "paid": "2027-02-03", "limit": 60, "options_q": {"days": {"a": 63, "b": 66, "c": 64, "d": 62, "e": 65}}}, "text_sha256": "82d17653d85118f3137c674fbdd764e9efe4c646aadf06660ad4653a4fe77c8c", "state_tokens": 60}}
{"state": "SPEC SHEET: an office lease for the new Leeds team\nCanal Wharf | monthly rent=$12,400 | average commute=58 minutes | capacity=41 desks | scalability score=4/10 | reliability score=9/10 | support quality score=9/10 | on-site parking=yes | step-free access=no\nPark Row | monthly rent=$11,000 | average commute=60 minutes | capacity=29 desks | scalability score=5/10 | reliability score=3/10 | support quality score=3/10 | on-site parking=no | step-free access=yes\nWellington Place | monthly rent=$5,600 | average commute=51 minutes | capacity=41 desks | scalability score=4/10 | reliability score=6/10 | support quality score=4/10 | on-site parking=yes | step-free access=yes\nStation House | monthly rent=$7,400 | average commute=22 minutes | capacity=53 desks | scalability score=6/10 | reliability score=3/10 | support quality score=3/10 | on-site parking=yes | step-free access=no\nR1: its monthly rent must be at most $9,200\nR2: it must offer step-free access\nSelection: Each option has been scored from 1 to 10 on scalability, reliability and support quality (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 70% scalability, 20% reliability, 10% support quality.", "questions": {"choice": {"type": "choice", "instructions": "Which office best satisfies the brief?", "criteria": {"park_row": null, "wellington_place": null, "station_house": null, "canal_wharf": null}, "src": "hard_tradeoff", "label": "wellington_place"}, "meets": {"type": "noul", "instructions": "Is Canal Wharf compliant with all the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00004", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00004", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "office", "none_case": false, "facts": {"rule": "weighted", "options": {"Canal Wharf": {"cost": 12400, "commute": 58, "desks": 41, "parking": true, "access": false, "scalability": 4, "reliability": 9, "support quality": 9}, "Park Row": {"cost": 11000, "commute": 60, "desks": 29, "parking": false, "access": true, "scalability": 5, "reliability": 3, "support quality": 3}, "Wellington Place": {"cost": 5600, "commute": 51, "desks": 41, "parking": true, "access": true, "scalability": 4, "reliability": 6, "support quality": 4}, "Station House": {"cost": 7400, "commute": 22, "desks": 53, "parking": true, "access": false, "scalability": 6, "reliability": 3, "support quality": 3}}, "constraints": [{"attr": "cost", "op": "<=", "value": 9200}, {"attr": "access", "op": "is", "value": true}], "priority": [], "weights": {"scalability": 70, "reliability": 20, "support quality": 10}, "years": null, "check": "Canal Wharf", "options_q": {"choice": {"park_row": "park_row", "wellington_place": "wellington_place", "station_house": "station_house", "canal_wharf": "canal_wharf"}}}, "text_sha256": "0892305c3b2d22c13ab737b7ce8e0b609f2441e3fa9f33a8421e7cae58f23b11", "state_tokens": 346}}
{"state": "REVIEW REQUEST\nItem: A shop bought 219 units at $28.36 each and later 396 units at $36.36 each. What is the average cost per unit across all units bought, to the nearest cent?\nSubmitted result: $33.51", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$32.36", "b": "$33.52", "c": "$10,304.70", "d": "$33.51", "e": "$31.21"}, "src": "hard_judge", "label": "d"}}, "_meta": {"id": "hard-v1/judge/development/00016", "source": "hard_judge", "group_id": "hard-v1/judge/development/00016", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "wavg", "error": null, "facts": {"kind": "wavg", "args": {"n1": 219, "p1": "709/25", "n2": 396, "p2": "909/25"}, "dp": 2, "proposed": 3351, "error": null, "options_q": {"value": {"a": 3236, "b": 3352, "c": 1030470, "d": 3351, "e": 3121}}}, "text_sha256": "37cd8aaa082af958b20cc522dc5ad767700b0becdee0fbee336864affcabb00d", "state_tokens": 65}}
{"state": "MEMO\nRe: Return window\n\nReturns are accepted if the return request is made within 45 days of delivery. Petra Moreau ordered a standing desk on April 26, 2026. The desk was delivered on May 4, 2026.\n\nPetra asked to return it on June 17, 2026. The desk is unused and in its original packaging.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"accept_return": "Accept the return", "not_enough_information": "The information given is not enough to decide", "reject_return": "Reject the return as outside the window"}, "src": "hard_ambiguous", "label": "accept_return"}}, "_meta": {"id": "hard-v1/ambiguous/development/00050", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00050", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "return_window", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "return_window", "insufficient_key": "not_enough_information", "params": {"window": 45, "order": "2026-04-26", "delivered": "2026-05-04", "request": "2026-06-17"}, "deciding_present": true, "options_q": {"decision": {"accept_return": "accept_return", "not_enough_information": "not_enough_information", "reject_return": "reject_return"}}}, "text_sha256": "f19cefc3a133556d9cad9b59fe81b08fc80f32c380ded5c4f0f63e08688dd0ee", "state_tokens": 88}}
{"state": "MEMO\nRe: Alert from cart service\n\nPaging rule: an alert pages the owning team's primary on-call; if the primary is on leave that day, it pages the secondary; if the secondary is also on leave, it pages the team's engineering manager. Alerts from the cart service are owned by the Messaging team. The Checkout engineering manager is Kwame.\n\nThis week's Messaging primary on-call is Lotte and the secondary is Samir. Alerts from the ranking model are owned by the Checkout team. This week's Storage primary on-call is Elin and the secondary is Jae.\n\nAlerts from the card tokenizer are owned by the Storage team. Alerts from the blob store are owned by the Checkout team. This week's Checkout primary on-call is Ines and the secondary is Fiona.\n\nThe Storage engineering manager is Farah. The Messaging engineering manager is Dmitri. Lotte is on leave from August 31, 2026 to September 7, 2026 inclusive.\n\nOn September 1, 2026, an alert fired from the cart service.", "questions": {"paged": {"type": "choice", "instructions": "Who is the right person to page?", "criteria": {"elin": null, "lotte": null, "samir": null, "dmitri": null}, "src": "hard_multi_hop", "label": "samir"}}, "_meta": {"id": "hard-v1/multi_hop/development/00026", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00026", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "oncall", "facts": {"kind": "oncall", "routes": {"blob store": "Checkout", "card tokenizer": "Storage", "cart service": "Messaging", "ranking model": "Checkout"}, "primary": {"Checkout": "Ines", "Storage": "Elin", "Messaging": "Lotte"}, "secondary": {"Checkout": "Fiona", "Storage": "Jae", "Messaging": "Samir"}, "manager": {"Checkout": "Kwame", "Storage": "Farah", "Messaging": "Dmitri"}, "leave": {"Lotte": [["2026-08-31", "2026-09-07"]]}, "component": "cart service", "date": "2026-09-01", "options_q": {"paged": {"elin": "elin", "lotte": "lotte", "samir": "samir", "dmitri": "dmitri"}}}, "text_sha256": "88c49732b0fd4725033df1d061d1a9b41fe613bd9b5a7e42e1cad9b3624e33af", "state_tokens": 228}}
{"state": "MEMO\nRe: Quarterly breakdown\n\nCounts of support tickets last quarter by channel and outcome: chat: 222 escalated, 228 not escalated. email: 377 escalated, 120 not escalated.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, Among records that were escalated, what share came from chat?", "criteria": {"a": "63.3%", "b": "47.5%", "c": "49.3%", "d": "23.4%", "e": "37.1%"}, "src": "hard_probability", "label": "e"}}, "_meta": {"id": "hard-v1/probability/development/00099", "source": "hard_probability", "group_id": "hard-v1/probability/development/00099", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "table", "facts": {"kind": "table", "p": {}, "counts": {"chat": {"escalated": 222, "not escalated": 228}, "email": {"escalated": 377, "not escalated": 120}}, "row": "chat", "col": "escalated", "ask": "row_given_col", "options_q": {"value": {"a": 633, "b": 475, "c": 493, "d": 234, "e": 371}}}, "text_sha256": "dbc4ba69ebff21962e05d5c5d43454030c82943400805ea07e10013f23719387", "state_tokens": 49}}
{"state": "REVIEW REQUEST\nItem: Machine A packs 135 boxes per hour and machine B packs 38 boxes per hour. Working together, how many hours do they need to pack 1,730 boxes? Give one decimal place.\nSubmitted result: I think 10.0 hours", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "12.8 hours", "b": "10.1 hours", "c": "20.0 hours", "d": "10.0 hours", "e": "58.3 hours"}, "src": "hard_judge", "label": "d"}}, "_meta": {"id": "hard-v1/judge/development/00079", "source": "hard_judge", "group_id": "hard-v1/judge/development/00079", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "rate", "error": null, "facts": {"kind": "rate", "args": {"items": 1730, "r1": 135, "r2": 38}, "dp": 1, "proposed": 100, "error": null, "options_q": {"value": {"a": 128, "b": 101, "c": 200, "d": 100, "e": 583}}}, "text_sha256": "06339ddcc94a19f21e07d6b0d472af3792d4d2e85bc9e33976717b0ef8b096a5", "state_tokens": 63}}
{"state": "REVIEW REQUEST\nItem: Machine A packs 64 boxes per hour and machine B packs 111 boxes per hour. Working together, how many hours do they need to pack 1,050 boxes? Give one decimal place.\nSubmitted result: I think 6.0 hours", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "6.0 hours", "b": "9.5 hours", "c": "12.0 hours", "d": "25.9 hours", "e": "6.1 hours"}, "src": "hard_judge", "label": "a"}}, "_meta": {"id": "hard-v1/judge/development/00044", "source": "hard_judge", "group_id": "hard-v1/judge/development/00044", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "rate", "error": null, "facts": {"kind": "rate", "args": {"items": 1050, "r1": 64, "r2": 111}, "dp": 1, "proposed": 60, "error": null, "options_q": {"value": {"a": 60, "b": 95, "c": 120, "d": 259, "e": 61}}}, "text_sha256": "874f1c31b71419af7078508a8feffa98721df828d84ef3a50a1921be2aef1daf", "state_tokens": 62}}
{"state": "EMPLOYEE HEALTH BENEFITS PLAN: SUMMARY PLAN DESCRIPTION\nIssued by Wellspring Benefits Administration\nIn this policy, \"the Plan\" means Wellspring Benefits Administration and \"the Member\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Plan, before any deductible, limit or sublimit is applied.\n(2) Business day means Monday to Friday, excluding public holidays.\n(3) Dependant means the Member's spouse or partner, or a child under 21 who is enrolled in the plan.\n(4) Family means the Member's spouse or partner and any children who live with the Member.\n(5) Frames means spectacle frames bought without new lenses.\n(6) Hearing accessories means batteries, chargers and cleaning kits.\n(7) Hearing aid replacement period means 24 months from the purchase of hearing aids funded by the plan.\n(8) Incident means a single event, or a series of events arising from one cause.\n(9) Limit means the most the Plan will pay for all claims under a section arising from one treatment.\n(10) Major restorative work means crowns, bridges, root canal treatment and implants.\n(11) Massage therapy means sports massage, massage therapy and reflexology.\n(12) Network provider means a practitioner or clinic that has an agreement with the Plan to provide treatment.\n(13) Orthodontics means braces and clear aligners.\n(14) Plan year means the twelve months starting on the Member's coverage start date.\n(15) Policy period means twelve months from the policy start date shown in the Member's schedule.\n(16) Premium means the amount the Member must pay for this policy, including any taxes.\n(17) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(18) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(19) Registered practitioner means a practitioner registered with the professional body for their discipline.\n(20) Replacement period means 24 months from the date of the Member's last eyewear claim.\n(21) Schedule means the document issued with this policy that shows the Member's details, the covers the Member bought and any extensions.\n(22) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n\n§ 2  Limits and deductible\n(1) Dental Care: limit $2,000 per treatment; deductible $50 per claim.\n(2) Vision Care: limit $500 per treatment; deductible $25 per claim.\n(3) Therapy Services: limit $1,000 per treatment; deductible $50 per claim.\n(4) Hearing Care: limit $1,000 per treatment; deductible $100 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the deductible is then deducted from the result.\n\n§ 3  Vision Care\n(1) The Plan will reimburse eye tests and prescription eyewear.\n(2) The most the Plan will pay for Frames under this section is $120 per treatment.\n(3) The Plan will not pay for eyewear without prescription lenses.\n(4) The Plan will not pay for a further eyewear claim within the replacement period.\n\n§ 4  Optional cover: Hearing Care\n(1) The Plan will reimburse hearing tests and hearing aids.\n(2) This section applies only if it is shown as purchased in the Member's schedule.\n(3) The most the Plan will pay for Hearing accessories under this section is $150 per treatment.\n(4) The Plan will not pay for replacement hearing aids bought within the hearing aid replacement period.\n\n§ 5  Dental Care\n(1) The Plan will reimburse the cost of dental treatment provided by a licensed dentist.\n(2) No cover applies under this section to any treatment that happens within the first 60 days after the policy start date.\n(3) The most the Plan will pay for Major restorative work under this section is $750 per treatment.\n(4) The most the Plan will pay for Orthodontics under this section is $600 per treatment.\n(5) The Plan will not pay for treatment that is mainly cosmetic, such as whitening or veneers. This exclusion does not apply to treatment needed to repair damage caused by an accident.\n(6) The Plan will not pay for treatment by a provider outside the plan's network. This exclusion does not apply to emergency treatment for sudden severe pain.\n\n§ 6  Therapy Services\n(1) The Plan will reimburse physiotherapy, osteopathy and counselling provided by a registered practitioner.\n(2) The most the Plan will pay for Massage therapy under this section is $200 per treatment.\n(3) The Plan will not pay for treatment of an injury covered by workers' compensation.\n(4) The Plan will not pay for treatment by a practitioner who is not registered with the relevant professional body.\n\n§ 7  General exclusions\n(1) The Plan will not pay for loss caused by nuclear radiation or radioactive contamination.\n(2) The Plan will not pay for any deliberate or criminal act by the Member.\n(3) The Plan will not pay for loss or damage caused by war, invasion, or civil war.\n\n§ 8  Making a claim\n(1) The Member must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Plan may appoint a loss adjuster to investigate any claim.\n(3) The Member must notify the Plan of a claim within 90 days of the treatment. The Plan will not pay any claim notified after that time.\n\n§ 9  Subrogation\n(1) The Plan will be entitled to take over and conduct in the Member's name the defence or settlement of any claim.\n(2) The Plan can take action in the Member's name to recover any payment the Plan makes from anyone responsible for the loss.\n\n§ 10  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 11  Salvage\n(1) When the Plan replaces an item, the damaged or recovered item becomes the Plan's property.\n(2) If stolen property is recovered after the Plan has paid a claim, the Member must tell the Plan and either return the payment or give the Plan the property.\n\n§ 12  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 13  Notices\n(1) Any notice the Plan gives under this policy will be sent to the most recent postal or email address the Plan holds.\n(2) Notices from the Member should be sent to the address shown in the schedule.\n\n§ 14  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 15  Interest\n(1) The Plan will not pay interest on any claim payment unless the law requires it.\n\n§ 16  Payment of claims\n(1) The Plan will pay claims by bank transfer to an account in the Member's name.\n(2) The Plan aims to pay accepted claims within 5 working days of receiving all the documents the Plan needs.\n\n§ 17  Change of address\n(1) The Member must tell the Plan within 30 days if the Member changes the Member's address.\n(2) The Plan may change the premium or the terms from the date of the move.\n\n§ 18  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Plan may charge the premium without the discount from that date.\n\n§ 19  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Plan may adjust the premium from the date of the change.\n\n§ 20  Cooperation\n(1) The Member must give the Plan all the help and information the Plan reasonably need to settle a claim.\n(2) The Member must not admit liability or offer to settle any claim without the Plan's written permission.\n\n§ 21  Market conditions\n(1) If the replacement item is no longer available, the Plan will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 22  Leaving the plan\n(1) Cover ends on the day the Member's employment ends or the day the Member stops being eligible, whichever is earlier.\n(2) Claims for treatment received before cover ended may be submitted up to 90 days afterwards.\n\n§ 23  Changes in circumstances\n(1) The Member must tell the Plan as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Plan may then change the premium or the terms of this policy, or cancel it.\n\n§ 24  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 25  Wellness allowance\n(1) Each plan year the Member may claim up to $100 towards a gym membership or fitness class.\n(2) The wellness allowance is not subject to any deductible and does not count towards other limits.\n\n§ 26  Exchange of information\n(1) To prevent fraud, the Plan may check the details the Member gives against public records and industry databases.\n(2) The Plan may contact previous insurers to confirm the Member's claims history.\n\n§ 27  Premium payment\n(1) The Member must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Plan may cancel the policy after giving notice.\n\n§ 28  Environmental commitment\n(1) Where practical, the Plan will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Member may ask for a new part instead, and the Plan will tell the Member whether any additional cost would apply.\n\n§ 29  Sanctions\n(1) The Plan will not provide cover or pay any claim to the extent that doing so would expose the Plan to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 30  Customer support\n(1) The Plan's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Member can leave a message and the Plan will call back on the next working day.\n\n§ 31  Renewal\n(1) The Plan will write to the Member at least 21 days before the end of the policy period with the renewal terms.\n(2) The Plan is not obliged to offer renewal.\n\n§ 32  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Plan will not pay the claim and all cover under this policy may be cancelled.\n(2) The Plan may share information with fraud prevention agencies and other insurers.\n\n§ 33  Compensation scheme\n(1) The Plan is covered by a financial services compensation scheme.\n(2) If the Plan cannot meet the Plan's obligations, the Member may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 34  Automatic renewal\n(1) Unless the Member tells the Plan otherwise, this policy will renew automatically at the end of the policy period using the payment details the Plan holds.\n(2) The Member can switch off automatic renewal at any time by contacting the Plan's helpline.\n\n§ 35  Third-party administrators\n(1) The Plan may appoint another company to handle claims or other services on the Plan's behalf.\n(2) Any company the Plan appoints must follow the terms of this policy and applicable data protection law.\n\n§ 36  Eligibility\n(1) Employees who work at least 20 hours a week are eligible to join the plan from their first day of employment.\n(2) Contractors, agency workers and employees on unpaid leave of more than three months are not eligible.\n\n§ 37  Dependants\n(1) The Member may enrol dependants at the start of each plan year or within 30 days of a qualifying life event.\n(2) Benefits paid for dependants count towards the same annual limits as the Member's own claims.\n\n§ 38  Reasonable precautions\n(1) The Member must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Member must take reasonable steps to recover lost or stolen property.\n\n§ 39  Records and evidence\n(1) The Member should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Plan may base any settlement on the price of a comparable item.\n(3) The Plan may ask for evidence of how and when an item was acquired.\n\n=== CLAIM ===\nClaim summary: Lotte Iyer; policy P482119; policy start 28 February 2025; schedule covers Dental Care, Vision Care, Therapy Services, Hearing Care; extensions none. Section claimed: Hearing Care, for a pair of hearing aids. Treatment date 3 September 2025; notified 1 November 2025; assessed loss $1,576. Facts: Lotte's previous plan-funded hearing aids were bought 26 months before this claim. An audiologist recommended the purchase after a hearing test. The provider issued an itemised invoice.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_sublimit": "Pay up to the Hearing accessories sublimit (§ 4(3))", "deny_waiting": "Decline: the treatment happened during the waiting period (§ 5(2))", "pay_limit": "Pay up to the Hearing Care limit", "deny_replacement": "Decline under the early replacement exclusion (§ 4(4))", "deny_late": "Decline: the claim was notified too late (§ 8(3))"}, "src": "hard_long_policy", "label": "pay_limit"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$1,476", "b": "$900", "c": "$50", "d": "$1,000", "e": "$1,576"}, "src": "hard_long_policy", "label": "b"}}, "_meta": {"id": "hard-v1/long_policy/development/00086", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00086", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "benefits", "target": "pay_limit", "category": "hearing", "tempting": "replacement", "facts": {"domain": "benefits", "fee_order": "after", "notice_days": 90, "categories": {"dental": {"limit": 2000, "fee": 50, "waiting": 60, "purchased": true}, "vision": {"limit": 500, "fee": 25, "waiting": 0, "purchased": true}, "therapy": {"limit": 1000, "fee": 50, "waiting": 0, "purchased": true}, "hearing": {"limit": 1000, "fee": 100, "waiting": 0, "purchased": true}}, "classes": {"major": {"category": "dental", "cap": 750}, "ortho": {"category": "dental", "cap": 600}, "frames": {"category": "vision", "cap": 120}, "massage": {"category": "therapy", "cap": 200}, "accessories": {"category": "hearing", "cap": 150}}, "exclusions": [{"key": "cosmetic", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "out_of_network", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "non_prescription", "categories": ["vision"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "frequency", "categories": ["vision"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}, {"key": "work_injury", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unregistered", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "replacement", "categories": ["hearing"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}], "case": {"category": "hearing", "item": "the hearing aids", "item_class": null, "loss_cents": 157600, "start": "2025-02-28", "incident": "2025-09-03", "reported": "2025-11-01", "conditions": {}, "values": {"replacement": 26}, "exceptions": {}}, "options_q": {"outcome": {"pay_sublimit": "pay_sublimit", "deny_waiting": "deny_waiting", "pay_limit": "pay_limit", "deny_replacement": "deny_replacement", "deny_late": "deny_late"}, "amount": {"a": 147600, "b": 90000, "c": 5000, "d": 100000, "e": 157600}}}, "text_sha256": "b24914700b34a9b51b7c140592c2aa43cee9cf045a529617b1e46fba60378bcc", "state_tokens": 3067}}
{"state": "REVIEW REQUEST\nItem: A shop bought 16 units at $19.75 each and later 87 units at $19.92 each. What is the average cost per unit across all units bought, to the nearest cent?\nSubmitted result: Answer: $19.89", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$19.84", "b": "$19.78", "c": "$19.89", "d": "$19.90", "e": "$1,024.52"}, "src": "hard_judge", "label": "c"}}, "_meta": {"id": "hard-v1/judge/development/00093", "source": "hard_judge", "group_id": "hard-v1/judge/development/00093", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "wavg", "error": null, "facts": {"kind": "wavg", "args": {"n1": 16, "p1": "79/4", "n2": 87, "p2": "498/25"}, "dp": 2, "proposed": 1989, "error": null, "options_q": {"value": {"a": 1984, "b": 1978, "c": 1989, "d": 1990, "e": 102452}}}, "text_sha256": "cfd7df2a7b16bcfecbdc47f0b477040be76b9b768241278a4c9b1c1bfe95d584", "state_tokens": 65}}
{"state": "MEMO\nRe: Approval routing\n\nPurchase requests of this size must be approved by the nearest person above the requester in the reporting line whose title is Senior Manager or more senior. Seniority, from junior to senior: Analyst, Engineer, Manager, Senior Manager, Director, Vice President, Chief Executive. Jae reports to Ravi. Hugo reports to Emeka.\n\nMira reports to Jae. Diego reports to Emeka. Fiona reports to Kofi.\n\nAiko reports to Jae. Leila is a Manager. Aiko is a Director.\n\nEmeka is a Director. Fiona is a Manager. Idris is a Vice President.\n\nViktor is a Director. Hugo is a Senior Manager. Mira is a Senior Manager.\n\nRavi is a Vice President. Diego is a Senior Manager. Beatriz is a Manager.\n\nJae is a Director. Kofi is a Director. Hana is a Chief Executive.\n\nKofi reports to Viktor. Leila reports to Aiko. Ravi reports to Hana.\n\nEmeka reports to Idris. Idris reports to Hana. Viktor reports to Ravi.\n\nBeatriz reports to Kofi. Beatriz has submitted a purchase request for $45,250.", "questions": {"approver": {"type": "choice", "instructions": "Which person has to approve the request?", "criteria": {"kofi": null, "fiona": null, "ravi": null, "viktor": null, "hana": null}, "src": "hard_multi_hop", "label": "kofi"}}, "_meta": {"id": "hard-v1/multi_hop/development/00072", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00072", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "org", "rule": "title", "hops": 4, "facts": {"kind": "org", "reports": {"Ravi": "Hana", "Idris": "Hana", "Viktor": "Ravi", "Jae": "Ravi", "Emeka": "Idris", "Kofi": "Viktor", "Aiko": "Jae", "Mira": "Jae", "Hugo": "Emeka", "Diego": "Emeka", "Beatriz": "Kofi", "Fiona": "Kofi", "Leila": "Aiko"}, "titles": {"Hana": "Chief Executive", "Ravi": "Vice President", "Idris": "Vice President", "Viktor": "Director", "Jae": "Director", "Emeka": "Director", "Kofi": "Director", "Aiko": "Director", "Mira": "Senior Manager", "Hugo": "Senior Manager", "Diego": "Senior Manager", "Beatriz": "Manager", "Fiona": "Manager", "Leila": "Manager"}, "requester": "Beatriz", "rule": "title", "min_title": "Senior Manager", "options_q": {"approver": {"kofi": "kofi", "fiona": "fiona", "ravi": "ravi", "viktor": "viktor", "hana": "hana"}}}, "text_sha256": "ed761c6b6ebfe94bc9a2ad0e508e2b76f53b18c3d94bc2ac9ff93a5da2759ad0", "state_tokens": 259}}
{"state": "SINGLE-TRIP TRAVEL PROTECTION PLAN\nIssued by Meridian Travel Insurance Ltd\nIn this policy, \"the Insurer\" means Meridian Travel Insurance Ltd and \"the Insured Person\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(2) Business day means Monday to Friday, excluding public holidays.\n(3) Dental treatment means treatment of the teeth or gums.\n(4) Excursions and tickets means pre-booked excursions, tours, and event or theatre tickets.\n(5) Hazardous activity means skydiving, motor racing, or trekking or climbing above 4,500 metres.\n(6) Incident means a single event, or a series of events arising from one cause.\n(7) Physiotherapy means treatment of muscles and joints by a physiotherapist.\n(8) Policy period means twelve months from the policy start date shown in the Insured Person's schedule.\n(9) Pre-existing condition means any illness or injury for which the Insured Person received treatment or advice in the 3 months before the policy start date.\n(10) Public transport means any scheduled train, bus, coach, ferry or aircraft.\n(11) Qualifying delay means a delay to the scheduled departure of more than 6 hours.\n(12) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(13) Sports equipment means skis, snowboards, golf clubs, surfboards and bicycles.\n(14) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(15) Travelling companion means a person who has booked to travel with the Insured Person on the same trip.\n(16) Trip means a journey that starts and ends in the Insured Person's home country during the policy period.\n(17) Valuables means laptops, tablets, mobile phones, cameras, watches and jewellery.\n\n§ 2  Limits and excess\n(1) Baggage and Personal Belongings: limit $2,000 per incident; excess $50 per claim.\n(2) Emergency Medical Expenses: limit $25,000 per incident; excess $250 per claim.\n(3) Trip Cancellation: limit $2,000 per incident; excess $100 per claim.\n(4) Travel Delay: limit $750 per incident; excess $25 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Reasonable precautions\n(1) The Insured Person must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Insured Person must take reasonable steps to recover lost or stolen property.\n\n§ 4  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 5  Premium payment\n(1) The Insured Person must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Insurer may cancel the policy after giving notice.\n\n§ 6  Baggage and Personal Belongings\n(1) The Insurer will pay for the loss of, theft of, or damage to the Insured Person's baggage and personal belongings during the trip.\n(2) The most the Insurer will pay for Valuables under this section is $250 per incident.\n(3) The most the Insurer will pay for Sports equipment under this section is $300 per incident.\n(4) The Insurer will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Insurer will not pay for loss caused by confiscation or detention by customs or other officials.\n(6) The Insurer will not pay for damage caused by wear and tear or gradual deterioration.\n\n§ 7  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 8  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Insured Person to repay the amount.\n\n§ 9  Trip Cancellation\n(1) The Insurer will pay non-refundable travel and accommodation costs if the Insured Person must cancel the trip for a reason beyond the Insured Person's control.\n(2) No cover applies under this section to any incident that happens within the first 7 days after the policy start date.\n(3) The most the Insurer will pay for Excursions and tickets under this section is $300 per incident.\n(4) The Insurer will not pay for cancellation caused by a strike or other event that had been publicly announced before the Insured Person bought the policy.\n(5) The Insurer will not pay for cancellation because the Insured Person no longer wish to travel.\n\n§ 10  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 11  Renewal\n(1) The Insurer will write to the Insured Person at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 12  Cancellation\n(1) The Insured Person can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Insured Person can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $30.\n(3) The Insurer can cancel this policy by giving the Insured Person 30 days' written notice to the last address the Insurer holds.\n\n§ 13  Third-party administrators\n(1) The Insurer may appoint another company to handle claims or other services on the Insurer's behalf.\n(2) Any company the Insurer appoints must follow the terms of this policy and applicable data protection law.\n\n§ 14  Optional cover: Travel Delay\n(1) The Insurer will pay reasonable costs of meals and accommodation if the Insured Person's outbound departure is delayed.\n(2) This section applies only if it is shown as purchased in the Insured Person's schedule.\n(3) The Insurer will not pay for any delay that is not a qualifying delay.\n\n§ 15  Emergency assistance\n(1) The Insurer's emergency assistance service is available 24 hours a day on the number shown in the schedule.\n(2) The Insured Person must contact the assistance service before being admitted to hospital as an in-patient, unless it is an emergency.\n(3) The assistance service can arrange payment guarantees, interpreters and transport home.\n\n§ 16  Customer support\n(1) The Insurer's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Insured Person can leave a message and the Insurer will call back on the next working day.\n\n§ 17  Emergency Medical Expenses\n(1) The Insurer will pay reasonable and necessary emergency medical costs incurred during the trip.\n(2) The most the Insurer will pay for Dental treatment under this section is $400 per incident.\n(3) The most the Insurer will pay for Physiotherapy under this section is $300 per incident.\n(4) The Insurer will not pay for treatment of a pre-existing condition.\n(5) The Insurer will not pay for injury or illness arising from a hazardous activity. This exclusion does not apply if the Adventure Sports extension is shown in the Insured Person's schedule.\n(6) The Insurer will not pay for any claim arising from the Insured Person's being under the influence of alcohol or drugs.\n\n§ 18  Arbitration\n(1) If the Insurer accepts a claim but disagree with the Insured Person about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Insurer.\n\n§ 19  Market conditions\n(1) If the replacement item is no longer available, the Insurer will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 20  Automatic renewal\n(1) Unless the Insured Person tells the Insurer otherwise, this policy will renew automatically at the end of the policy period using the payment details the Insurer holds.\n(2) The Insured Person can switch off automatic renewal at any time by contacting the Insurer's helpline.\n\n§ 21  Interest\n(1) The Insurer will not pay interest on any claim payment unless the law requires it.\n\n§ 22  Change of address\n(1) The Insured Person must tell the Insurer within 30 days if the Insured Person changes the Insured Person's address.\n(2) The Insurer may change the premium or the terms from the date of the move.\n\n§ 23  Data protection\n(1) The Insurer will use the personal information the Insured Person provides to administer this policy and to handle claims.\n(2) The Insurer will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Insured Person can ask for a copy of the personal information the Insurer holds by writing to the Insurer's data protection officer.\n\n§ 24  Compensation scheme\n(1) The Insurer is covered by a financial services compensation scheme.\n(2) If the Insurer cannot meet the Insurer's obligations, the Insured Person may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 25  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 26  General exclusions\n(1) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n(2) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n(3) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(4) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(5) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n\n§ 27  Making a claim\n(1) The Insurer may appoint a loss adjuster to investigate any claim.\n(2) The Insured Person must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Insured Person must notify the Insurer of a claim within 60 days of the incident. The Insurer will not pay any claim notified after that time.\n\n§ 28  Repatriation\n(1) If the Insurer's medical adviser agrees it is necessary, the Insurer will arrange and pay for the Insured Person to be brought home.\n(2) The Insurer will decide the method of transport and the time of repatriation after speaking to the treating doctor.\n\n=== CLAIM ===\nClaim summary: Aiko Quinn; policy T782674; policy start 11 November 2025; schedule covers Baggage and Personal Belongings, Emergency Medical Expenses, Trip Cancellation, Travel Delay; extensions none. Section claimed: Travel Delay, for meals and a hotel night during a departure delay. Incident date 8 September 2026; notified 6 November 2026; assessed loss $620. Facts: The delay was caused by a technical fault with the aircraft. Aiko paid for the trip with a credit card.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"not_covered": "Decline: Travel Delay is not a cover shown in the schedule", "deny_short_delay": "Decline under the short delays exclusion (§ 14(3))", "deny_waiting": "Decline: the incident happened during the waiting period (§ 9(2))", "pay_limit": "Pay up to the Travel Delay limit", "pay_less_fee": "Pay the assessed loss less the excess"}, "src": "hard_long_policy", "label": "pay_less_fee"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$0", "b": "$620", "c": "$725", "d": "$595", "e": "$750"}, "src": "hard_long_policy", "label": "d"}}, "_meta": {"id": "hard-v1/long_policy/development/00062", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00062", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "travel", "target": "pay_less_fee", "category": "delay", "tempting": null, "facts": {"domain": "travel", "fee_order": "before", "notice_days": 60, "categories": {"baggage": {"limit": 2000, "fee": 50, "waiting": 0, "purchased": true}, "medical": {"limit": 25000, "fee": 250, "waiting": 0, "purchased": true}, "cancellation": {"limit": 2000, "fee": 100, "waiting": 7, "purchased": true}, "delay": {"limit": 750, "fee": 25, "waiting": 0, "purchased": true}}, "classes": {"valuables": {"category": "baggage", "cap": 250}, "sports": {"category": "baggage", "cap": 300}, "dental": {"category": "medical", "cap": 400}, "physio": {"category": "medical", "cap": 300}, "excursions": {"category": "cancellation", "cap": 300}}, "exclusions": [{"key": "unattended", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "confiscation", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pre_existing", "categories": ["medical"], "kind": "threshold", "thr": 3, "cmp": "le", "has_exception": false}, {"key": "hazardous", "categories": ["medical"], "kind": "threshold", "thr": 4500, "cmp": "gt", "has_exception": true}, {"key": "intoxication", "categories": ["medical"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "known_event", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "change_of_mind", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "short_delay", "categories": ["delay"], "kind": "threshold", "thr": 6, "cmp": "le", "has_exception": false}], "case": {"category": "delay", "item": "the meals and hotel", "item_class": null, "loss_cents": 62000, "start": "2025-11-11", "incident": "2026-09-08", "reported": "2026-11-06", "conditions": {}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"not_covered": "not_covered", "deny_short_delay": "deny_short_delay", "deny_waiting": "deny_waiting", "pay_limit": "pay_limit", "pay_less_fee": "pay_less_fee"}, "amount": {"a": 0, "b": 62000, "c": 72500, "d": 59500, "e": 75000}}}, "text_sha256": "3f7b0de07301cf481a89a96ce39736185c40a501c2b0f9a91e18815f1769ddb9", "state_tokens": 2750}}
{"state": "MEMO\nRe: Recurring schedule\n\nInvoices go out on the last business day (Monday to Friday) of each month. July 31, 2027 is a Saturday. Question concerns the invoice run for July 2027.", "questions": {"date": {"type": "choice", "instructions": "Date of the requested occurrence:", "criteria": {"a": "30 July 2027", "b": "31 July 2027", "c": "1 August 2027", "d": "28 July 2027", "e": "29 July 2027"}, "src": "hard_temporal_numeric", "label": "a"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00021", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00021", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "recurring_last_business", "facts": {"kind": "recurring", "pattern": "last_business", "year": 2027, "month": 7, "options_q": {"date": {"a": "2027-07-30", "b": "2027-07-31", "c": "2027-08-01", "d": "2027-07-28", "e": "2027-07-29"}}}, "text_sha256": "6ebc0530bea304835e7954890176c36b6111d5f83f0c44ab6b9e10f19e477ae4", "state_tokens": 54}}
{"state": "ELECTRONICS CARE PLAN\nIssued by Circuit Care Services\nIn this policy, \"the Provider\" means Circuit Care Services and \"the Customer\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Accessories means cases, chargers, earbuds and styluses.\n(2) Accessories means cases, chargers and earbuds.\n(3) Authorised repairer means a repairer approved in writing by the Provider.\n(4) Battery replacement means replacement batteries and battery repairs.\n(5) Family means the Customer's spouse or partner and any children who live with the Customer.\n(6) Limit means the most the Provider will pay for all claims under a section arising from one incident.\n(7) Manufacturer's warranty period means the first 12 months after the device was bought.\n(8) Policy period means twelve months from the policy start date shown in the Customer's schedule.\n(9) Premium means the amount the Customer must pay for this policy, including any taxes.\n(10) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(11) Replacement device means a device of the same or similar specification, which may be refurbished.\n(12) Schedule means the document issued with this policy that shows the Customer's details, the covers the Customer bought and any extensions.\n(13) Wearables means smartwatches and fitness trackers.\n\n§ 2  Limits and service fee\n(1) Accidental Damage: limit $800 per incident; service fee $79 per claim.\n(2) Breakdown: limit $1,000 per incident; service fee $25 per claim.\n(3) Theft and Loss: limit $1,200 per incident; service fee $149 per claim.\n(4) Any limit or sublimit is applied to the assessed loss first, and the service fee is then deducted from the result.\n\n§ 3  Sanctions\n(1) The Provider will not provide cover or pay any claim to the extent that doing so would expose the Provider to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 4  Third-party administrators\n(1) The Provider may appoint another company to handle claims or other services on the Provider's behalf.\n(2) Any company the Provider appoints must follow the terms of this policy and applicable data protection law.\n\n§ 5  Replacement devices\n(1) If the Provider cannot repair the Customer's device economically, the Provider will replace it with a replacement device.\n(2) Replacement devices may be a different colour and may be refurbished to an as-new standard.\n(3) Accessories are replaced only if they were lost or damaged in the same incident as the device.\n\n§ 6  Environmental commitment\n(1) Where practical, the Provider will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Customer may ask for a new part instead, and the Provider will tell the Customer whether any additional cost would apply.\n\n§ 7  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Provider will not pay the claim and all cover under this policy may be cancelled.\n(2) The Provider may share information with fraud prevention agencies and other insurers.\n\n§ 8  Breakdown\n(1) The Provider will repair or replace the Customer's device if it stops working because of an electrical or mechanical fault.\n(2) No cover applies under this section to any incident that happens within the first 45 days after the policy start date.\n(3) The most the Provider will pay for Battery replacement under this section is $120 per incident.\n(4) The Provider will not pay for breakdowns during the manufacturer's warranty period.\n(5) The Provider will not pay for breakdown caused by liquid getting into the device.\n\n§ 9  Claims documents\n(1) The Customer must provide, at the Customer's own expense, original receipts, invoices, reports and any other evidence the Provider reasonably ask for.\n(2) The Provider may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 10  Reasonable precautions\n(1) The Customer must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Customer must take reasonable steps to recover lost or stolen property.\n\n§ 11  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 12  Records and evidence\n(1) The Customer should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Provider may base any settlement on the price of a comparable item.\n(3) The Provider may ask for evidence of how and when an item was acquired.\n\n§ 13  Cancellation\n(1) The Customer can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Customer can cancel at any time; the Provider will refund the premium for the unexpired period less an administration charge of $30.\n(3) The Provider can cancel this policy by giving the Customer 30 days' written notice to the last address the Provider holds.\n\n§ 14  Optional cover: Theft and Loss\n(1) The Provider will replace the Customer's device if it is stolen or lost.\n(2) This section applies only if it is shown as purchased in the Customer's schedule.\n(3) The most the Provider will pay for Accessories under this section is $100 per incident.\n(4) The Provider will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Provider will not pay for theft that was not reported to the police.\n\n§ 15  Data and backups\n(1) The Provider is not responsible for recovering or restoring any data, software or settings stored on the Customer's device.\n(2) The Customer should back up the Customer's data regularly and before sending the device for repair.\n\n§ 16  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Provider will pay only the Provider's proportionate share.\n(2) The Customer must tell the Provider about any other insurance that covers the same loss when the Customer makes a claim.\n\n§ 17  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 18  Unrecoverable devices\n(1) If a device is found after the Provider has replaced it, the found device becomes the Provider's property and must be sent to the Provider.\n(2) The Provider may block devices reported as lost or stolen so that they cannot be used on mobile networks.\n\n§ 19  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 20  Waiver\n(1) If the Provider does not enforce any term of this policy, that does not mean the Provider has given up the right to enforce it later.\n\n§ 21  Renewal\n(1) The Provider will write to the Customer at least 21 days before the end of the policy period with the renewal terms.\n(2) The Provider is not obliged to offer renewal.\n\n§ 22  Automatic renewal\n(1) Unless the Customer tells the Provider otherwise, this policy will renew automatically at the end of the policy period using the payment details the Provider holds.\n(2) The Customer can switch off automatic renewal at any time by contacting the Provider's helpline.\n\n§ 23  Duty of fair presentation\n(1) The Customer must answer all questions the Provider asks honestly and to the best of the Customer's knowledge.\n(2) If the Customer gives incorrect information deliberately or recklessly, the Provider may treat this policy as if it never existed and keep the premium.\n(3) If the Customer gives incorrect information carelessly, the Provider may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 24  Repair process\n(1) After a claim is accepted, the Provider will send a prepaid mailer or book a courier collection.\n(2) The Provider aims to return repaired devices within 10 business days of receiving them.\n\n§ 25  Change of address\n(1) The Customer must tell the Provider within 30 days if the Customer changes the Customer's address.\n(2) The Provider may change the premium or the terms from the date of the move.\n\n§ 26  Accidental Damage\n(1) The Provider will repair or replace the Customer's device if it is accidentally damaged.\n(2) The most the Provider will pay for Accessories under this section is $50 per incident.\n(3) The most the Provider will pay for Wearables under this section is $250 per incident.\n(4) The Provider will not pay for cosmetic damage, such as scratches or dents, that does not affect how the device works.\n(5) The Provider will not pay for damage following a repair by anyone other than the Provider or an authorised repairer. This exclusion does not apply if the Provider approved the repair in writing beforehand.\n\n§ 27  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 28  Customer support\n(1) The Provider's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Customer can leave a message and the Provider will call back on the next working day.\n\n§ 29  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Provider may charge the premium without the discount from that date.\n\n§ 30  Changes in circumstances\n(1) The Customer must tell the Provider as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Provider may then change the premium or the terms of this policy, or cancel it.\n\n§ 31  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 32  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 33  Compensation scheme\n(1) The Provider is covered by a financial services compensation scheme.\n(2) If the Provider cannot meet the Provider's obligations, the Customer may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 34  General exclusions\n(1) The Provider will not pay for loss arising from a government order or sanction that prohibits the Provider from paying.\n(2) The Provider will not pay for loss caused by nuclear radiation or radioactive contamination.\n(3) The Provider will not pay for loss or damage caused by war, invasion, or civil war.\n(4) The Provider will not pay for any fraudulent claim or any claim supported by false documents.\n(5) The Provider will not pay for any deliberate or criminal act by the Customer.\n(6) The Provider will not pay for loss of value or loss of use that does not involve physical loss or damage.\n\n§ 35  Complaints\n(1) If the Customer has a complaint, the Customer should first contact the Provider's customer relations team, quoting the policy number.\n(2) The Provider will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Customer remains dissatisfied, the Customer may be able to refer the complaint to an independent ombudsman service.\n\n§ 36  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 37  Communication\n(1) The Provider will communicate with the Customer in English.\n(2) The Provider may record telephone calls for training and quality purposes.\n\n§ 38  Inflation\n(1) The Provider may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Customer's renewal documents; limits do not change during a policy period.\n\n§ 39  Data protection\n(1) The Provider will use the personal information the Customer provides to administer this policy and to handle claims.\n(2) The Provider will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Customer can ask for a copy of the personal information the Provider holds by writing to the Provider's data protection officer.\n\n§ 40  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 41  Assignment\n(1) The Customer cannot transfer the Customer's interest in this policy to anyone else without the Provider's written consent.\n\n§ 42  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 43  Cooperation\n(1) The Customer must give the Provider all the help and information the Provider reasonably need to settle a claim.\n(2) The Customer must not admit liability or offer to settle any claim without the Provider's written permission.\n\n§ 44  Software support\n(1) The Provider's helpline can give advice on setting up and using the Customer's device.\n(2) Software support does not include fixing problems caused by third-party apps or unofficial operating systems.\n\n§ 45  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Provider may adjust the premium from the date of the change.\n\n§ 46  Payment of claims\n(1) The Provider will pay claims by bank transfer to an account in the Customer's name.\n(2) The Provider aims to pay accepted claims within 10 working days of receiving all the documents the Provider needs.\n\n§ 47  Making a claim\n(1) The Provider may appoint a loss adjuster to investigate any claim.\n(2) The Customer must notify the Provider of a claim within 30 days of the incident. The Provider will not pay any claim notified after that time.\n(3) The Customer must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 48  Transferring the plan\n(1) The Customer may transfer the plan to a new owner of the device by telling the Provider in writing.\n(2) The remaining term of the plan transfers with the device; the term does not restart.\n\n§ 49  Exchange of information\n(1) To prevent fraud, the Provider may check the details the Customer gives against public records and industry databases.\n(2) The Provider may contact previous insurers to confirm the Customer's claims history.\n\n§ 50  Subrogation\n(1) The Provider will be entitled to take over and conduct in the Customer's name the defence or settlement of any claim.\n(2) The Provider can take action in the Customer's name to recover any payment the Provider makes from anyone responsible for the loss.\n\n§ 51  Salvage\n(1) When the Provider replaces an item, the damaged or recovered item becomes the Provider's property.\n(2) If stolen property is recovered after the Provider has paid a claim, the Customer must tell the Provider and either return the payment or give the Provider the property.\n\n§ 52  Arbitration\n(1) If the Provider accepts a claim but disagree with the Customer about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Provider.\n\n§ 53  Recovery of costs\n(1) If the Provider pays a claim that is later found not to be covered, the Provider may ask the Customer to repay the amount.\n\n§ 54  Interest\n(1) The Provider will not pay interest on any claim payment unless the law requires it.\n\n§ 55  Notices\n(1) Any notice the Provider gives under this policy will be sent to the most recent postal or email address the Provider holds.\n(2) Notices from the Customer should be sent to the address shown in the schedule.\n\n§ 56  Instalment agreements\n(1) If the Customer pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 57  Premium payment\n(1) The Customer must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Provider may cancel the policy after giving notice.\n\n§ 58  Market conditions\n(1) If the replacement item is no longer available, the Provider will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 59  Electronic documents\n(1) The Provider will send documents by email unless the Customer asks for paper copies.\n(2) The Customer must tell the Provider if the Customer's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n=== CLAIM ===\nClaim summary: Sana Ivanova; policy D474091; policy start 15 November 2025; schedule covers Accidental Damage, Breakdown, Theft and Loss; extensions none. Section claimed: Theft and Loss, for a smartphone. Incident date 26 December 2025; notified 24 January 2026; assessed loss $1,824.99. Facts: The smartphone was taken from Sana's bag on a crowded train. Sana bought the device from an authorised retailer. The device is registered in Sana's name. Sana uses the device mainly for work.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_limit": "Pay up to the Theft and Loss limit", "pay_sublimit": "Pay up to the Accessories sublimit (§ 14(3))", "deny_waiting": "Decline: the incident happened during the waiting period (§ 8(2))", "not_covered": "Decline: Theft and Loss is not a cover shown in the schedule", "deny_late": "Decline: the claim was notified too late (§ 47(2))"}, "src": "hard_long_policy", "label": "pay_limit"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$1,200", "b": "$1,824.99", "c": "$0", "d": "$1,051", "e": "$1,675.99"}, "src": "hard_long_policy", "label": "d"}}, "_meta": {"id": "hard-v1/long_policy/development/00055", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00055", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "device", "target": "pay_limit", "category": "theft_loss", "tempting": null, "facts": {"domain": "device", "fee_order": "after", "notice_days": 30, "categories": {"accidental_damage": {"limit": 800, "fee": 79, "waiting": 0, "purchased": true}, "breakdown": {"limit": 1000, "fee": 25, "waiting": 45, "purchased": true}, "theft_loss": {"limit": 1200, "fee": 149, "waiting": 0, "purchased": true}}, "classes": {"accessories": {"category": "accidental_damage", "cap": 50}, "wearables": {"category": "accidental_damage", "cap": 250}, "battery": {"category": "breakdown", "cap": 120}, "accessories_tl": {"category": "theft_loss", "cap": 100}}, "exclusions": [{"key": "cosmetic_damage", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unauthorised_repair", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "manufacturer_warranty", "categories": ["breakdown"], "kind": "threshold", "thr": 12, "cmp": "lt", "has_exception": false}, {"key": "liquid", "categories": ["breakdown"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unattended", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "no_police_report", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "theft_loss", "item": "the smartphone", "item_class": null, "loss_cents": 182499, "start": "2025-11-15", "incident": "2025-12-26", "reported": "2026-01-24", "conditions": {}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"pay_limit": "pay_limit", "pay_sublimit": "pay_sublimit", "deny_waiting": "deny_waiting", "not_covered": "not_covered", "deny_late": "deny_late"}, "amount": {"a": 120000, "b": 182499, "c": 0, "d": 105100, "e": 167599}}}, "text_sha256": "a8b0788a93f960b26bc3512d4a3a9624e69870a7491cc17e02834e0eada28d4f", "state_tokens": 4154}}
{"state": "MEMO\nRe: Warranty\n\nThe warranty covers manufacturing defects for 12 months from the purchase date. Accidental damage is never covered. Farah Keller bought a coffee machine on 17 October 2025. Farah made a warranty claim on 2 July 2027.\n\nThe technician found the machine had been dropped. Farah registered the machine online.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"repair_under_warranty": "Repair under warranty", "not_covered": "Not covered by the warranty", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "not_covered"}}, "_meta": {"id": "hard-v1/ambiguous/development/00036", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00036", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "warranty", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "warranty", "insufficient_key": "not_enough_information", "params": {"months": 12, "purchase": "2025-10-17", "claim": "2027-07-02", "cause": "accident"}, "deciding_present": true, "options_q": {"decision": {"repair_under_warranty": "repair_under_warranty", "not_covered": "not_covered", "not_enough_information": "not_enough_information"}}}, "text_sha256": "878cb284b0e90927c2cd8eafd393bf1fa7bee9b1ef44cafd4df565f5699bc82d", "state_tokens": 80}}
{"state": "MEMO\nRe: Complaint response deadline\n\nCinder Security must answer every formal complaint within 6 business days of receiving it. Business days are Monday to Friday, excluding the public holidays listed here; the day the complaint is received does not count. Public holidays this year: Company Day (Sunday 20 December 2026); Founders' Day (Thursday 7 January 2027); Harvest Day (Friday 8 January 2027); Heritage Day (Thursday 14 January 2027); Spring Holiday (Wednesday 17 February 2027).\n\nA complaint was received on Wednesday 6 January 2027.", "questions": {"due": {"type": "choice", "instructions": "Compute the due date.", "criteria": {"a": "12 January 2027", "b": "14 January 2027", "c": "18 January 2027", "d": "20 January 2027", "e": "19 January 2027"}, "src": "hard_temporal_numeric", "label": "e"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00009", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00009", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "deadline", "facts": {"kind": "deadline", "received": "2027-01-06", "n": 6, "holidays": ["2026-12-20", "2027-01-07", "2027-01-08", "2027-01-14", "2027-02-17"], "options_q": {"due": {"a": "2027-01-12", "b": "2027-01-14", "c": "2027-01-18", "d": "2027-01-20", "e": "2027-01-19"}}}, "text_sha256": "1f8cdfe4cc0894a9002d11f0c8d1c8f79e8c7fe0e832d403f0d17e90a8b52830", "state_tokens": 141}}
{"state": "REVIEW REQUEST\nItem: Convert 40 degrees Celsius to degrees Fahrenheit (F = C x 9/5 + 32). Give the answer to one decimal place.\nSubmitted result: Pretty sure it's 54.2 degrees Fahrenheit", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "104.0 degrees Fahrenheit", "b": "129.6 degrees Fahrenheit", "c": "72.0 degrees Fahrenheit", "d": "1,040.0 degrees Fahrenheit", "e": "54.2 degrees Fahrenheit"}, "src": "hard_judge", "label": "a"}}, "_meta": {"id": "hard-v1/judge/development/00096", "source": "hard_judge", "group_id": "hard-v1/judge/development/00096", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "convert", "error": "inverted", "facts": {"kind": "convert", "args": {"x": "40", "factor": "9/5", "offset": 32}, "dp": 1, "proposed": 542, "error": "inverted", "options_q": {"value": {"a": 1040, "b": 1296, "c": 720, "d": 10400, "e": 542}}}, "text_sha256": "a706c7e9d9fbae7cd169b976b0a0ef9d887e9ce67dd8436e9bfbd31c155d569d", "state_tokens": 52}}
{"state": "MEMO\nRe: Quarterly breakdown\n\nCounts of units inspected last week by shift and result: night shift: 371 defective, 82 passed. day shift: 98 defective, 227 passed.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, Among day shift records, what share were defective?", "criteria": {"a": "30.2%", "b": "12.6%", "c": "20.9%", "d": "60.3%", "e": "41.8%"}, "src": "hard_probability", "label": "a"}}, "_meta": {"id": "hard-v1/probability/development/00009", "source": "hard_probability", "group_id": "hard-v1/probability/development/00009", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "table", "facts": {"kind": "table", "p": {}, "counts": {"night shift": {"defective": 371, "passed": 82}, "day shift": {"defective": 98, "passed": 227}}, "row": "day shift", "col": "defective", "ask": "col_given_row", "options_q": {"value": {"a": 302, "b": 126, "c": 209, "d": 603, "e": 418}}}, "text_sha256": "eca7340c90dafd85aea142c6ff3b896e9c4c49c8c1646c54e079871ae338a2aa", "state_tokens": 47}}
{"state": "SPEC SHEET: a freight carrier for the Rotterdam to Milan lane\nAlpfreight | price per shipment=$2,075 | transit time=7 days | damage rate=0.55% | documentation score=5/10 | ease of use score=7/10 | ease of integration score=7/10 | temperature-controlled trailers=no | live GPS tracking=yes\nMeridian Cargo | price per shipment=$1,875 | transit time=12 days | damage rate=2.05% | documentation score=6/10 | ease of use score=8/10 | ease of integration score=6/10 | temperature-controlled trailers=yes | live GPS tracking=yes\nPortway | price per shipment=$2,750 | transit time=3 days | damage rate=2.95% | documentation score=4/10 | ease of use score=5/10 | ease of integration score=5/10 | temperature-controlled trailers=yes | live GPS tracking=yes\nR1: it must offer temperature-controlled trailers\nSelection: Each option has been scored from 1 to 10 on documentation, ease of use and ease of integration (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 70% documentation, 20% ease of use, 10% ease of integration.", "questions": {"choice": {"type": "choice", "instructions": "Which carrier best satisfies the brief?", "criteria": {"alpfreight": null, "meridian_cargo": null, "portway": null}, "src": "hard_tradeoff", "label": "meridian_cargo"}, "meets": {"type": "noul", "instructions": "Is Portway compliant with all the hard requirements?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00083", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00083", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "carrier", "none_case": false, "facts": {"rule": "weighted", "options": {"Alpfreight": {"cost": 2075, "transit": 7, "damage": 55, "reefer": false, "tracking": true, "documentation": 5, "ease of use": 7, "ease of integration": 7}, "Meridian Cargo": {"cost": 1875, "transit": 12, "damage": 205, "reefer": true, "tracking": true, "documentation": 6, "ease of use": 8, "ease of integration": 6}, "Portway": {"cost": 2750, "transit": 3, "damage": 295, "reefer": true, "tracking": true, "documentation": 4, "ease of use": 5, "ease of integration": 5}}, "constraints": [{"attr": "reefer", "op": "is", "value": true}], "priority": [], "weights": {"documentation": 70, "ease of use": 20, "ease of integration": 10}, "years": null, "check": "Portway", "options_q": {"choice": {"alpfreight": "alpfreight", "meridian_cargo": "meridian_cargo", "portway": "portway"}}}, "text_sha256": "3aec46264756bbce514302ada817000fe6a3491bad21b97b44e97fa38c550ee4", "state_tokens": 293}}
{"state": "REVIEW REQUEST\nItem: A shop bought 158 units at $24.19 each and later 181 units at $26.08 each. What is the average cost per unit across all units bought, to the nearest cent?\nSubmitted result: Answer: $25.20", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$25.07", "b": "$25.21", "c": "$25.14", "d": "$4,271.25", "e": "$25.20"}, "src": "hard_judge", "label": "e"}}, "_meta": {"id": "hard-v1/judge/development/00051", "source": "hard_judge", "group_id": "hard-v1/judge/development/00051", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "wavg", "error": null, "facts": {"kind": "wavg", "args": {"n1": 158, "p1": "2419/100", "n2": 181, "p2": "652/25"}, "dp": 2, "proposed": 2520, "error": null, "options_q": {"value": {"a": 2507, "b": 2521, "c": 2514, "d": 427125, "e": 2520}}}, "text_sha256": "5062155db11a6255acd85f8bcf93011d510166aa7cca4b0a5230ce57234b3d49", "state_tokens": 67}}
{"state": "MEMO\nRe: Subscription cancellation\n\nA customer paid $899.99 for an annual plan running from 29 May 2025 up to (but not including) 29 May 2026. They cancelled on 22 June 2025. Refund rule: refund the annual price multiplied by the number of unused days and divided by the number of days in the plan year; the cancellation day counts as used. Round to the nearest cent.", "questions": {"refund": {"type": "choice", "instructions": "Refund due:", "criteria": {"a": "$824.99", "b": "$838.35", "c": "$61.64", "d": "$840.81", "e": "$836.06"}, "src": "hard_temporal_numeric", "label": "b"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00098", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00098", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "prorata", "leap": false, "facts": {"kind": "prorata", "start": "2025-05-29", "end": "2026-05-29", "cancel": "2025-06-22", "price_cents": 89999, "options_q": {"refund": {"a": 82499, "b": 83835, "c": 6164, "d": 84081, "e": 83606}}}, "text_sha256": "99877350ef17994c4e117d9195cc544b651b4e5670941c03a715344ea51b0c46", "state_tokens": 103}}
{"state": "MEMO\nRe: Comparing odds\n\nThere is a fifty percent chance that the supplier delivers on time. There is a thirty percent chance that the shipment clears customs on the first day; these two are independent. There is a thirteen percent chance that the audit finds no issues.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which is more likely?", "criteria": {"second_event": "That the audit finds no issues", "first_event": "Both of these happen: the supplier delivers on time, and the shipment clears customs on the first day", "equally_likely": "They are equally likely"}, "src": "hard_probability", "label": "first_event"}}, "_meta": {"id": "hard-v1/probability/development/00055", "source": "hard_probability", "group_id": "hard-v1/probability/development/00055", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "compare", "facts": {"kind": "compare", "p": {}, "a": {"op": "and", "p1": "50/100", "p2": "30/100"}, "b": "13/100", "options_q": {"choice": {"second_event": "second_event", "first_event": "first_event", "equally_likely": "equally_likely"}}}, "text_sha256": "936d9055bd94061749703ba4c5a949bc8905c0b3a49d4826256297b3d8daee71", "state_tokens": 56}}
{"state": "MEMO\nRe: Reliability estimate\n\nAn order is confirmed if at least one of 3 redundant suppliers can fill it; each supplier's availability is independent of the others. Supplier A is able to fill an order sixty percent of the time. Supplier B is able to fill an order ninety-seven percent of the time.\n\nSupplier C is able to fill an order ninety-five percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that at least one supplier can fill the order?", "criteria": {"a": "60.0%", "b": "99.9%", "c": "44.7%", "d": "0.1%", "e": "55.3%"}, "src": "hard_probability", "label": "b"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that at least one supplier can fill the order?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 5}}, "_meta": {"id": "hard-v1/probability/development/00010", "source": "hard_probability", "group_id": "hard-v1/probability/development/00010", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "independent", "facts": {"kind": "independent", "p": {}, "ps": ["60/100", "97/100", "95/100"], "ask": "any", "options_q": {"value": {"a": 600, "b": 999, "c": 447, "d": 1, "e": 553}}, "qid2": "bucket"}, "text_sha256": "8e480e4fd8fac6b59be6c5a4866c9a7ab3912a341dc9e43b1491570b6728fefb", "state_tokens": 81}}
{"state": "MEMO\nRe: Price match\n\nWe match a competitor's lower price for an identical item if the competitor has it in stock at the time of the request, but we never match a price more than 20% below ours. If the competitor's price is not lower, no adjustment is needed. Ashok Okafor asked us to match Bramble Games's price for the same blender model. Our price is $779.00; Bramble Games lists it at $662.15.\n\nBramble Games had the blender in stock when Ashok asked. Ashok is a returning customer.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "no_adjustment": "No adjustment needed", "match_price": "Match the competitor's price", "decline_match": "Decline the price match"}, "src": "hard_ambiguous", "label": "match_price"}}, "_meta": {"id": "hard-v1/ambiguous/development/00064", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00064", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "price_match", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "price_match", "insufficient_key": "not_enough_information", "params": {"ours_cents": 77900, "theirs_cents": 66215, "max_gap_pct": 20, "in_stock": true}, "deciding_present": true, "options_q": {"decision": {"not_enough_information": "not_enough_information", "no_adjustment": "no_adjustment", "match_price": "match_price", "decline_match": "decline_match"}}}, "text_sha256": "899be72a54f57ee6d7a5e7991cdd26300dffd8201244ce3fe0c849e7d089b7f3", "state_tokens": 129}}
{"state": "GROUP HEALTH CASH PLAN\nIssued by the Benefits Trust\nIn this policy, \"the Plan\" means the Benefits Trust and \"the Member\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Plan, before any deductible, limit or sublimit is applied.\n(2) Business day means Monday to Friday, excluding public holidays.\n(3) Dependant means the Member's spouse or partner, or a child under 21 who is enrolled in the plan.\n(4) Family means the Member's spouse or partner and any children who live with the Member.\n(5) Frames means spectacle frames bought without new lenses.\n(6) Hearing accessories means batteries, chargers and cleaning kits.\n(7) Hearing aid replacement period means 36 months from the purchase of hearing aids funded by the plan.\n(8) Incident means a single event, or a series of events arising from one cause.\n(9) Limit means the most the Plan will pay for all claims under a section arising from one treatment.\n(10) Major restorative work means crowns, bridges, root canal treatment and implants.\n(11) Massage therapy means sports massage, massage therapy and reflexology.\n(12) Network provider means a practitioner or clinic that has an agreement with the Plan to provide treatment.\n(13) Orthodontics means braces and clear aligners.\n(14) Plan year means the twelve months starting on the Member's coverage start date.\n(15) Policy period means twelve months from the policy start date shown in the Member's schedule.\n(16) Premium means the amount the Member must pay for this policy, including any taxes.\n(17) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(18) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(19) Registered practitioner means a practitioner registered with the professional body for their discipline.\n(20) Replacement period means 12 months from the date of the Member's last eyewear claim.\n(21) Schedule means the document issued with this policy that shows the Member's details, the covers the Member bought and any extensions.\n(22) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n\n§ 2  Limits and deductible\n(1) Dental Care: limit $2,000 per treatment; deductible $100 per claim.\n(2) Vision Care: limit $500 per treatment; deductible $40 per claim.\n(3) Therapy Services: limit $1,500 per treatment; deductible $50 per claim.\n(4) Hearing Care: limit $2,000 per treatment; deductible $100 per claim.\n(5) The deductible is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Dental Care\n(1) The Plan will reimburse the cost of dental treatment provided by a licensed dentist.\n(2) No cover applies under this section to any treatment that happens within the first 90 days after the policy start date.\n(3) The most the Plan will pay for Major restorative work under this section is $500 per treatment.\n(4) The most the Plan will pay for Orthodontics under this section is $600 per treatment.\n(5) The Plan will not pay for treatment that is mainly cosmetic, such as whitening or veneers. This exclusion does not apply to treatment needed to repair damage caused by an accident.\n(6) The Plan will not pay for treatment by a provider outside the plan's network. This exclusion does not apply to emergency treatment for sudden severe pain.\n\n§ 4  Optional cover: Hearing Care\n(1) The Plan will reimburse hearing tests and hearing aids.\n(2) This section applies only if it is shown as purchased in the Member's schedule.\n(3) The most the Plan will pay for Hearing accessories under this section is $100 per treatment.\n(4) The Plan will not pay for replacement hearing aids bought within the hearing aid replacement period.\n\n§ 5  Therapy Services\n(1) The Plan will reimburse physiotherapy, osteopathy and counselling provided by a registered practitioner.\n(2) The most the Plan will pay for Massage therapy under this section is $300 per treatment.\n(3) The Plan will not pay for treatment of an injury covered by workers' compensation.\n(4) The Plan will not pay for treatment by a practitioner who is not registered with the relevant professional body.\n\n§ 6  Vision Care\n(1) The Plan will reimburse eye tests and prescription eyewear.\n(2) The most the Plan will pay for Frames under this section is $120 per treatment.\n(3) The Plan will not pay for eyewear without prescription lenses.\n(4) The Plan will not pay for a further eyewear claim within the replacement period.\n\n§ 7  General exclusions\n(1) The Plan will not pay for loss arising from a government order or sanction that prohibits the Plan from paying.\n(2) The Plan will not pay for any deliberate or criminal act by the Member.\n(3) The Plan will not pay for any fraudulent claim or any claim supported by false documents.\n(4) The Plan will not pay for loss or damage caused by war, invasion, or civil war.\n(5) The Plan will not pay for loss caused by nuclear radiation or radioactive contamination.\n\n§ 8  Making a claim\n(1) The Member must notify the Plan of a claim within 60 days of the treatment. The Plan will not pay any claim notified after that time.\n(2) The Plan may appoint a loss adjuster to investigate any claim.\n(3) The Member must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 9  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 10  Reasonable precautions\n(1) The Member must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Member must take reasonable steps to recover lost or stolen property.\n\n§ 11  Notices\n(1) Any notice the Plan gives under this policy will be sent to the most recent postal or email address the Plan holds.\n(2) Notices from the Member should be sent to the address shown in the schedule.\n\n§ 12  Arbitration\n(1) If the Plan accepts a claim but disagree with the Member about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Plan.\n\n§ 13  Automatic renewal\n(1) Unless the Member tells the Plan otherwise, this policy will renew automatically at the end of the policy period using the payment details the Plan holds.\n(2) The Member can switch off automatic renewal at any time by contacting the Plan's helpline.\n\n§ 14  Electronic documents\n(1) The Plan will send documents by email unless the Member asks for paper copies.\n(2) The Member must tell the Plan if the Member's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 15  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 16  Renewal\n(1) The Plan will write to the Member at least 21 days before the end of the policy period with the renewal terms.\n(2) The Plan is not obliged to offer renewal.\n\n§ 17  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 18  Duty of fair presentation\n(1) The Member must answer all questions the Plan asks honestly and to the best of the Member's knowledge.\n(2) If the Member gives incorrect information deliberately or recklessly, the Plan may treat this policy as if it never existed and keep the premium.\n(3) If the Member gives incorrect information carelessly, the Plan may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 19  Market conditions\n(1) If the replacement item is no longer available, the Plan will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 20  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Plan will pay only the Plan's proportionate share.\n(2) The Member must tell the Plan about any other insurance that covers the same loss when the Member makes a claim.\n\n§ 21  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 22  Eligibility\n(1) Employees who work at least 20 hours a week are eligible to join the plan from their first day of employment.\n(2) Contractors, agency workers and employees on unpaid leave of more than three months are not eligible.\n\n§ 23  Complaints\n(1) If the Member has a complaint, the Member should first contact the Plan's customer relations team, quoting the policy number.\n(2) The Plan will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Member remains dissatisfied, the Member may be able to refer the complaint to an independent ombudsman service.\n\n§ 24  Inflation\n(1) The Plan may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Member's renewal documents; limits do not change during a policy period.\n\n§ 25  Claims documents\n(1) The Member must provide, at the Member's own expense, original receipts, invoices, reports and any other evidence the Plan reasonably ask for.\n(2) The Plan may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 26  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 27  Compensation scheme\n(1) The Plan is covered by a financial services compensation scheme.\n(2) If the Plan cannot meet the Plan's obligations, the Member may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 28  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 29  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 30  Interest\n(1) The Plan will not pay interest on any claim payment unless the law requires it.\n\n§ 31  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 32  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Plan may adjust the premium from the date of the change.\n\n§ 33  Subrogation\n(1) The Plan will be entitled to take over and conduct in the Member's name the defence or settlement of any claim.\n(2) The Plan can take action in the Member's name to recover any payment the Plan makes from anyone responsible for the loss.\n\n§ 34  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Plan will not pay the claim and all cover under this policy may be cancelled.\n(2) The Plan may share information with fraud prevention agencies and other insurers.\n\n§ 35  Waiver\n(1) If the Plan does not enforce any term of this policy, that does not mean the Plan has given up the right to enforce it later.\n\n§ 36  Customer support\n(1) The Plan's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Member can leave a message and the Plan will call back on the next working day.\n\n§ 37  Instalment agreements\n(1) If the Member pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 38  Salvage\n(1) When the Plan replaces an item, the damaged or recovered item becomes the Plan's property.\n(2) If stolen property is recovered after the Plan has paid a claim, the Member must tell the Plan and either return the payment or give the Plan the property.\n\n§ 39  Exchange of information\n(1) To prevent fraud, the Plan may check the details the Member gives against public records and industry databases.\n(2) The Plan may contact previous insurers to confirm the Member's claims history.\n\n§ 40  Changes in circumstances\n(1) The Member must tell the Plan as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Plan may then change the premium or the terms of this policy, or cancel it.\n\n§ 41  Records and evidence\n(1) The Member should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Plan may base any settlement on the price of a comparable item.\n(3) The Plan may ask for evidence of how and when an item was acquired.\n\n=== CLAIM ===\nClaim summary: Yusuf Osei; policy D868209; policy start 18 January 2025; schedule covers Dental Care, Vision Care, Therapy Services, Hearing Care; extensions none. Section claimed: Therapy Services, for counselling sessions with a registered psychologist. Treatment date 15 July 2025; notified 10 September 2025; assessed loss $1,405. Facts: The practitioner's registration had lapsed before the sessions began. Yusuf's spouse is also enrolled in the plan.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_unregistered": "Decline under the unregistered practitioners exclusion (§ 5(4))", "not_covered": "Decline: Therapy Services is not a cover shown in the schedule", "pay_sublimit": "Pay up to the Massage therapy sublimit (§ 5(2))", "deny_work_injury": "Decline under the work injuries exclusion (§ 5(3))", "deny_late": "Decline: the claim was notified too late (§ 8(1))"}, "src": "hard_long_policy", "label": "deny_unregistered"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$250", "b": "$1,450", "c": "$0", "d": "$1,355", "e": "$1,500"}, "src": "hard_long_policy", "label": "c"}}, "_meta": {"id": "hard-v1/long_policy/development/00088", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00088", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "benefits", "target": "deny_exclusion", "category": "therapy", "tempting": null, "facts": {"domain": "benefits", "fee_order": "before", "notice_days": 60, "categories": {"dental": {"limit": 2000, "fee": 100, "waiting": 90, "purchased": true}, "vision": {"limit": 500, "fee": 40, "waiting": 0, "purchased": true}, "therapy": {"limit": 1500, "fee": 50, "waiting": 0, "purchased": true}, "hearing": {"limit": 2000, "fee": 100, "waiting": 0, "purchased": true}}, "classes": {"major": {"category": "dental", "cap": 500}, "ortho": {"category": "dental", "cap": 600}, "frames": {"category": "vision", "cap": 120}, "massage": {"category": "therapy", "cap": 300}, "accessories": {"category": "hearing", "cap": 100}}, "exclusions": [{"key": "cosmetic", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "out_of_network", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "non_prescription", "categories": ["vision"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "frequency", "categories": ["vision"], "kind": "threshold", "thr": 12, "cmp": "lt", "has_exception": false}, {"key": "work_injury", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unregistered", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "replacement", "categories": ["hearing"], "kind": "threshold", "thr": 36, "cmp": "lt", "has_exception": false}], "case": {"category": "therapy", "item": "the counselling", "item_class": null, "loss_cents": 140500, "start": "2025-01-18", "incident": "2025-07-15", "reported": "2025-09-10", "conditions": {"unregistered": true}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"deny_unregistered": "deny_unregistered", "not_covered": "not_covered", "pay_sublimit": "pay_sublimit", "deny_work_injury": "deny_work_injury", "deny_late": "deny_late"}, "amount": {"a": 25000, "b": 145000, "c": 0, "d": 135500, "e": 150000}}}, "text_sha256": "3d80c1aff530be3b1d519eb5ea87e415724f7b7a54f97d8d46900acddbcafe12", "state_tokens": 3299}}
{"state": "STAFF HEALTH REIMBURSEMENT PLAN RULES\nIssued by the Benefits Trust\nIn this policy, \"the Plan\" means the Benefits Trust and \"the Member\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Frames means spectacle frames bought without new lenses.\n(2) Major restorative work means crowns, bridges, root canal treatment and implants.\n(3) Orthodontics means braces and clear aligners.\n(4) Premium means the amount the Member must pay for this policy, including any taxes.\n(5) Replacement period means 12 months from the date of the Member's last eyewear claim.\n(6) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n\n§ 2  Limits and deductible\n(1) Dental Care: limit $1,500 per treatment; deductible $50 per claim.\n(2) Vision Care: limit $400 per treatment; deductible $40 per claim.\n(3) Therapy Services: limit $1,500 per treatment; deductible $50 per claim.\n(4) Hearing Care: limit $2,000 per treatment; deductible $150 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the deductible is then deducted from the result.\n\n§ 3  Vision Care\n(1) The Plan will reimburse eye tests and prescription eyewear.\n(2) The most the Plan will pay for Frames under this section is $150 per treatment.\n(3) The Plan will not pay for eyewear without prescription lenses.\n(4) The Plan will not pay for a further eyewear claim within the replacement period.\n\n§ 4  Dental Care\n(1) The Plan will reimburse the cost of dental treatment provided by a licensed dentist.\n(2) No cover applies under this section to any treatment that happens within the first 60 days after the policy start date.\n(3) The most the Plan will pay for Major restorative work under this section is $500 per treatment.\n(4) The most the Plan will pay for Orthodontics under this section is $800 per treatment.\n(5) The Plan will not pay for treatment that is mainly cosmetic, such as whitening or veneers. This exclusion does not apply to treatment needed to repair damage caused by an accident.\n(6) The Plan will not pay for treatment by a provider outside the plan's network. This exclusion does not apply to emergency treatment for sudden severe pain.\n\n§ 5  General exclusions\n(1) The Plan will not pay for any fraudulent claim or any claim supported by false documents.\n(2) The Plan will not pay for any deliberate or criminal act by the Member.\n(3) The Plan will not pay for loss of value or loss of use that does not involve physical loss or damage.\n\n§ 6  Making a claim\n(1) The Plan may appoint a loss adjuster to investigate any claim.\n(2) The Member must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Member must notify the Plan of a claim within 21 days of the treatment. The Plan will not pay any claim notified after that time.\n\n§ 7  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Plan will not pay the claim and all cover under this policy may be cancelled.\n(2) The Plan may share information with fraud prevention agencies and other insurers.\n\n§ 8  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Plan will pay only the Plan's proportionate share.\n(2) The Member must tell the Plan about any other insurance that covers the same loss when the Member makes a claim.\n\n§ 9  Notices\n(1) Any notice the Plan gives under this policy will be sent to the most recent postal or email address the Plan holds.\n(2) Notices from the Member should be sent to the address shown in the schedule.\n\n§ 10  Interest\n(1) The Plan will not pay interest on any claim payment unless the law requires it.\n\n§ 11  Inflation\n(1) The Plan may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Member's renewal documents; limits do not change during a policy period.\n\n§ 12  Environmental commitment\n(1) Where practical, the Plan will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Member may ask for a new part instead, and the Plan will tell the Member whether any additional cost would apply.\n\n§ 13  Eligibility\n(1) Employees who work at least 20 hours a week are eligible to join the plan from their first day of employment.\n(2) Contractors, agency workers and employees on unpaid leave of more than three months are not eligible.\n\n§ 14  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 15  Subrogation\n(1) The Plan will be entitled to take over and conduct in the Member's name the defence or settlement of any claim.\n(2) The Plan can take action in the Member's name to recover any payment the Plan makes from anyone responsible for the loss.\n\n§ 16  Compensation scheme\n(1) The Plan is covered by a financial services compensation scheme.\n(2) If the Plan cannot meet the Plan's obligations, the Member may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 17  Records and evidence\n(1) The Member should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Plan may base any settlement on the price of a comparable item.\n(3) The Plan may ask for evidence of how and when an item was acquired.\n\n=== CLAIM ===\nClaim summary: Yusuf Tanaka; policy D413528; policy start 21 June 2026; schedule covers Dental Care, Vision Care, Therapy Services, Hearing Care; extensions none. Section claimed: Dental Care, for a veneer on a front tooth. Treatment date 9 February 2027; notified 3 March 2027; assessed loss $1,745. Facts: The veneer repaired a front tooth chipped in a cycling accident. The veneer was fitted to improve the appearance of the tooth. Yusuf submitted receipts through the benefits portal.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_cosmetic": "Decline under the cosmetic treatment exclusion (§ 4(5))", "deny_late": "Decline: the claim was notified too late (§ 6(3))", "pay_limit": "Pay up to the Dental Care limit", "pay_less_fee": "Pay the assessed loss less the deductible", "pay_sublimit": "Pay up to the Major restorative work sublimit (§ 4(3))"}, "src": "hard_long_policy", "label": "deny_late"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$0", "b": "$1,500", "c": "$450", "d": "$1,745", "e": "$1,450"}, "src": "hard_long_policy", "label": "a"}}, "_meta": {"id": "hard-v1/long_policy/development/00033", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00033", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "benefits", "target": "deny_late", "category": "dental", "tempting": "cosmetic", "facts": {"domain": "benefits", "fee_order": "after", "notice_days": 21, "categories": {"dental": {"limit": 1500, "fee": 50, "waiting": 60, "purchased": true}, "vision": {"limit": 400, "fee": 40, "waiting": 0, "purchased": true}, "therapy": {"limit": 1500, "fee": 50, "waiting": 0, "purchased": true}, "hearing": {"limit": 2000, "fee": 150, "waiting": 0, "purchased": true}}, "classes": {"major": {"category": "dental", "cap": 500}, "ortho": {"category": "dental", "cap": 800}, "frames": {"category": "vision", "cap": 150}, "massage": {"category": "therapy", "cap": 300}, "accessories": {"category": "hearing", "cap": 100}}, "exclusions": [{"key": "cosmetic", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "out_of_network", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "non_prescription", "categories": ["vision"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "frequency", "categories": ["vision"], "kind": "threshold", "thr": 12, "cmp": "lt", "has_exception": false}, {"key": "work_injury", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unregistered", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "replacement", "categories": ["hearing"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}], "case": {"category": "dental", "item": "the veneer", "item_class": null, "loss_cents": 174500, "start": "2026-06-21", "incident": "2027-02-09", "reported": "2027-03-03", "conditions": {"cosmetic": true}, "values": {}, "exceptions": {"cosmetic": true}}, "options_q": {"outcome": {"deny_cosmetic": "deny_cosmetic", "deny_late": "deny_late", "pay_limit": "pay_limit", "pay_less_fee": "pay_less_fee", "pay_sublimit": "pay_sublimit"}, "amount": {"a": 0, "b": 150000, "c": 45000, "d": 174500, "e": 145000}}}, "text_sha256": "e43aba38f42908c41f02c9880341eca66d193b434e3c7479ce5b46c47698cf45", "state_tokens": 1476}}
{"state": "MEMO\nRe: Invoice payment timing\n\nPayment reached the account on 8 April 2027. A late fee applies when payment arrives more than 45 days after the invoice date. Invoice 24456 was issued on 11 February 2027.", "questions": {"days": {"type": "choice", "instructions": "Number of days from invoice to payment:", "criteria": {"a": "55 days", "b": "57 days", "c": "58 days", "d": "56 days", "e": "54 days"}, "src": "hard_temporal_numeric", "label": "d"}, "late": {"type": "noul", "instructions": "Does the late fee apply?", "src": "hard_temporal_numeric", "label": true}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00061", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00061", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "diff", "facts": {"kind": "diff", "invoice": "2027-02-11", "paid": "2027-04-08", "limit": 45, "options_q": {"days": {"a": 55, "b": 57, "c": 58, "d": 56, "e": 54}}}, "text_sha256": "68c4690a70c233027dacf9202b7af7b65a803ec41f41da0efe100f4c88dba435", "state_tokens": 61}}
{"state": "MEMO\nRe: Group structure\n\nAn entity controls a company if it holds more than 50% of that company's shares, counting shares it holds directly and shares held by companies it controls. Kilnworth plc owns 24% of Ivel Holdings. Juno Capital owns 76% of Eastgate Partners.\n\nBirchfield Capital owns 24% of Eastgate Partners. Eastgate Partners owns 76% of Ivel Holdings.", "questions": {"controller": {"type": "choice", "instructions": "Name the ultimate controller of Ivel Holdings.", "criteria": {"no_controller": "No entity controls it", "juno_capital": null, "eastgate_partners": null, "birchfield_capital": null, "kilnworth_plc": null}, "src": "hard_multi_hop", "label": "juno_capital"}, "interest": {"type": "choice", "instructions": "What is Juno Capital's effective economic interest in Ivel Holdings (its share of Ivel Holdings's profits through all holdings)?", "criteria": {"a": "28.9%", "b": "57.8%", "c": "76.0%"}, "src": "hard_multi_hop", "label": "b"}}, "_meta": {"id": "hard-v1/multi_hop/development/00045", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00045", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "ownership", "shape": "chain", "facts": {"kind": "ownership", "stakes": {"Eastgate Partners": {"Juno Capital": "76/100", "Birchfield Capital": "24/100"}, "Ivel Holdings": {"Eastgate Partners": "76/100", "Kilnworth plc": "24/100"}}, "candidates": ["Juno Capital", "Eastgate Partners", "Kilnworth plc", "Birchfield Capital"], "target": "Ivel Holdings", "top": "Juno Capital", "options_q": {"controller": {"no_controller": "no_controller", "juno_capital": "juno_capital", "eastgate_partners": "eastgate_partners", "birchfield_capital": "birchfield_capital", "kilnworth_plc": "kilnworth_plc"}, "interest": {"a": 289, "b": 578, "c": 760}}}, "text_sha256": "e1273bcf548028456a9e58fe5ad907cf1a7d3c160ba2361deb36f83c320d9ceb", "state_tokens": 96}}
{"state": "MEMO\nRe: Quarterly breakdown\n\nCounts of support tickets last quarter by channel and outcome: chat: 377 escalated, 104 not escalated. email: 280 escalated, 330 not escalated.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, Among records that were escalated, what share came from chat?", "criteria": {"a": "44.1%", "b": "78.4%", "c": "34.6%", "d": "60.2%", "e": "57.4%"}, "src": "hard_probability", "label": "e"}}, "_meta": {"id": "hard-v1/probability/development/00047", "source": "hard_probability", "group_id": "hard-v1/probability/development/00047", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "table", "facts": {"kind": "table", "p": {}, "counts": {"chat": {"escalated": 377, "not escalated": 104}, "email": {"escalated": 280, "not escalated": 330}}, "row": "chat", "col": "escalated", "ask": "row_given_col", "options_q": {"value": {"a": 441, "b": 784, "c": 346, "d": 602, "e": 574}}}, "text_sha256": "3b4b7a46b0a8c4ef2b5efb8d64d5e944d196bb2fa0d1370b7a0d96514acc01ee", "state_tokens": 49}}
{"state": "MEMO\nRe: Subscription cancellation\n\nA customer paid $1,499.00 for an annual plan running from 17 June 2026 up to (but not including) 17 June 2027. They cancelled on 1 March 2027. Refund rule: refund the annual price multiplied by the number of unused days and divided by the number of days in the plan year; the cancellation day counts as used. Round to the nearest cent.", "questions": {"refund": {"type": "choice", "instructions": "Refund due:", "criteria": {"a": "$438.23", "b": "$443.54", "c": "$374.75", "d": "$1,059.57", "e": "$439.43"}, "src": "hard_temporal_numeric", "label": "e"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00023", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00023", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "prorata", "leap": false, "facts": {"kind": "prorata", "start": "2026-06-17", "end": "2027-06-17", "cancel": "2027-03-01", "price_cents": 149900, "options_q": {"refund": {"a": 43823, "b": 44354, "c": 37475, "d": 105957, "e": 43943}}}, "text_sha256": "75e861ba45e9202fe1b4ae0cd5a76e6699b70dc9034ce067f44a386e42d16b95", "state_tokens": 104}}
{"state": "MEMO\nRe: Project funding decision\n\nThe planning team must fund exactly one of 4 projects and wants the highest expected net value (expected payoff minus up-front cost). Project Garnet costs $50,000 up front and has a sixty percent chance of a gain of $630,000; a forty percent chance of a gain of $490,000. Project Fjord costs $140,000 up front and has a fifty-five percent chance of a gain of $760,000; a forty-five percent chance of a gain of $390,000.\n\nProject Atlas costs $0 up front and has a ninety-five percent chance of a gain of $400,000; a five percent chance of a gain of $250,000. Project Cedar costs $130,000 up front and has a five percent chance of a gain of $760,000; a ninety-five percent chance of a gain of $320,000.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which project has the highest expected net value?", "criteria": {"project_fjord": null, "project_atlas": null, "project_cedar": null, "project_garnet": null}, "src": "hard_probability", "label": "project_garnet"}, "value": {"type": "choice", "instructions": "Per the figures given, What is the expected net value of Project Garnet?", "criteria": {"a": "$474,000", "b": "$524,000", "c": "$574,000", "d": "$510,000", "e": "$580,000"}, "src": "hard_probability", "label": "b"}}, "_meta": {"id": "hard-v1/probability/development/00040", "source": "hard_probability", "group_id": "hard-v1/probability/development/00040", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "ev", "facts": {"kind": "ev", "p": {}, "projects": {"Project Garnet": {"outcomes": [["60/100", 630000], ["40/100", 490000]], "cost": 50000}, "Project Fjord": {"outcomes": [["55/100", 760000], ["45/100", 390000]], "cost": 140000}, "Project Atlas": {"outcomes": [["95/100", 400000], ["5/100", 250000]], "cost": 0}, "Project Cedar": {"outcomes": [["5/100", 760000], ["95/100", 320000]], "cost": 130000}}, "asked": "Project Garnet", "options_q": {"choice": {"project_fjord": "project_fjord", "project_atlas": "project_atlas", "project_cedar": "project_cedar", "project_garnet": "project_garnet"}, "value": {"a": 474000, "b": 524000, "c": 574000, "d": 510000, "e": 580000}}}, "text_sha256": "c49219bcf18112d029666a629c47c1f8fd81df8c154b9c42502ab483687d9b09", "state_tokens": 231}}
{"state": "MEMO\nRe: Approval\n\nPurchases under $500 need no approval. Purchases from $500 up to $10,000 must be approved by a Manager or more senior; purchases above $10,000 must be approved by a Director or more senior. Seniority: Analyst, Engineer, Manager, Senior Manager, Director, Vice President, Chief Executive. Ashok Delgado submitted a purchase of $897 for conference travel. The purchase was approved by Nia Rahman.\n\nSana Eriksen, who leads the travel desk, is a Manager.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"approval_valid": "The purchase is properly approved", "approval_invalid": "The approval is not valid under the rule", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00027", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00026", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "approval", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": false, "facts": {"scenario": "approval", "insufficient_key": "not_enough_information", "params": {"amount": 897, "no_approval_below": 500, "director_above": 10000, "title": null}, "deciding_present": false, "options_q": {"decision": {"approval_valid": "approval_valid", "approval_invalid": "approval_invalid", "not_enough_information": "not_enough_information"}}}, "text_sha256": "ed903f61ccf37dcdfb0fec378df95532c402ecf4fb521f4c349bf1c270e6c23f", "state_tokens": 124}}
{"state": "REVIEW REQUEST\nItem: Convert 417 kilograms to pounds (1 pound = 0.45359237 kg). Give the answer to one decimal place.\nSubmitted result: 919.3 pounds", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "189.1 pounds", "b": "919.3 pounds", "c": "9,193.3 pounds", "d": "920.3 pounds", "e": "919.4 pounds"}, "src": "hard_judge", "label": "b"}}, "_meta": {"id": "hard-v1/judge/development/00089", "source": "hard_judge", "group_id": "hard-v1/judge/development/00089", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "convert", "error": null, "facts": {"kind": "convert", "args": {"x": "417", "factor": "100000000/45359237", "offset": 0}, "dp": 1, "proposed": 9193, "error": null, "options_q": {"value": {"a": 1891, "b": 9193, "c": 91933, "d": 9203, "e": 9194}}}, "text_sha256": "2f0f436bbe4c5cf54822c972bd2fe9e93385c2c1c861913b1302c51058dcabfd", "state_tokens": 50}}
{"state": "REVIEW REQUEST\nItem: After a 15% discount, a jacket costs $112.20. What was the price before the discount, to the nearest cent?\nSubmitted result: $132.00", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$95.37", "b": "$132.00", "c": "$129.03", "d": "$132.01", "e": "$127.20"}, "src": "hard_judge", "label": "b"}}, "_meta": {"id": "hard-v1/judge/development/00057", "source": "hard_judge", "group_id": "hard-v1/judge/development/00057", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "reverse_pct", "error": null, "facts": {"kind": "reverse_pct", "args": {"after": "561/5", "p": "3/20"}, "dp": 2, "proposed": 13200, "error": null, "options_q": {"value": {"a": 9537, "b": 13200, "c": 12903, "d": 13201, "e": 12720}}}, "text_sha256": "9d8fb1e450546f64465cc5ef6a9941869912b119adbb5d1e0d043d833929235b", "state_tokens": 49}}
{"state": "EMPLOYEE HEALTH BENEFITS PLAN: SUMMARY PLAN DESCRIPTION\nIssued by the Staff Welfare Fund\nIn this policy, \"the Plan\" means the Staff Welfare Fund and \"the Member\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Plan, before any deductible, limit or sublimit is applied.\n(2) Business day means Monday to Friday, excluding public holidays.\n(3) Dependant means the Member's spouse or partner, or a child under 21 who is enrolled in the plan.\n(4) Family means the Member's spouse or partner and any children who live with the Member.\n(5) Frames means spectacle frames bought without new lenses.\n(6) Hearing accessories means batteries, chargers and cleaning kits.\n(7) Hearing aid replacement period means 24 months from the purchase of hearing aids funded by the plan.\n(8) Incident means a single event, or a series of events arising from one cause.\n(9) Limit means the most the Plan will pay for all claims under a section arising from one treatment.\n(10) Major restorative work means crowns, bridges, root canal treatment and implants.\n(11) Massage therapy means sports massage, massage therapy and reflexology.\n(12) Network provider means a practitioner or clinic that has an agreement with the Plan to provide treatment.\n(13) Orthodontics means braces and clear aligners.\n(14) Plan year means the twelve months starting on the Member's coverage start date.\n(15) Policy period means twelve months from the policy start date shown in the Member's schedule.\n(16) Premium means the amount the Member must pay for this policy, including any taxes.\n(17) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(18) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(19) Registered practitioner means a practitioner registered with the professional body for their discipline.\n(20) Replacement period means 12 months from the date of the Member's last eyewear claim.\n(21) Schedule means the document issued with this policy that shows the Member's details, the covers the Member bought and any extensions.\n(22) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n\n§ 2  Limits and deductible\n(1) Dental Care: limit $1,500 per treatment; deductible $50 per claim.\n(2) Vision Care: limit $300 per treatment; deductible $40 per claim.\n(3) Therapy Services: limit $2,000 per treatment; deductible $50 per claim.\n(4) Hearing Care: limit $2,000 per treatment; deductible $150 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the deductible is then deducted from the result.\n\n§ 3  Therapy Services\n(1) The Plan will reimburse physiotherapy, osteopathy and counselling provided by a registered practitioner.\n(2) The most the Plan will pay for Massage therapy under this section is $200 per treatment.\n(3) The Plan will not pay for treatment of an injury covered by workers' compensation.\n(4) The Plan will not pay for treatment by a practitioner who is not registered with the relevant professional body.\n\n§ 4  Dental Care\n(1) The Plan will reimburse the cost of dental treatment provided by a licensed dentist.\n(2) No cover applies under this section to any treatment that happens within the first 60 days after the policy start date.\n(3) The most the Plan will pay for Major restorative work under this section is $500 per treatment.\n(4) The most the Plan will pay for Orthodontics under this section is $600 per treatment.\n(5) The Plan will not pay for treatment that is mainly cosmetic, such as whitening or veneers. This exclusion does not apply to treatment needed to repair damage caused by an accident.\n(6) The Plan will not pay for treatment by a provider outside the plan's network. This exclusion does not apply to emergency treatment for sudden severe pain.\n\n§ 5  Optional cover: Hearing Care\n(1) The Plan will reimburse hearing tests and hearing aids.\n(2) This section applies only if it is shown as purchased in the Member's schedule.\n(3) The most the Plan will pay for Hearing accessories under this section is $100 per treatment.\n(4) The Plan will not pay for replacement hearing aids bought within the hearing aid replacement period.\n\n§ 6  Vision Care\n(1) The Plan will reimburse eye tests and prescription eyewear.\n(2) The most the Plan will pay for Frames under this section is $120 per treatment.\n(3) The Plan will not pay for eyewear without prescription lenses.\n(4) The Plan will not pay for a further eyewear claim within the replacement period.\n\n§ 7  General exclusions\n(1) The Plan will not pay for any deliberate or criminal act by the Member.\n(2) The Plan will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(3) The Plan will not pay for loss arising from a government order or sanction that prohibits the Plan from paying.\n(4) The Plan will not pay for loss or damage caused by war, invasion, or civil war.\n(5) The Plan will not pay for loss caused by nuclear radiation or radioactive contamination.\n(6) The Plan will not pay for any fraudulent claim or any claim supported by false documents.\n\n§ 8  Making a claim\n(1) The Plan may appoint a loss adjuster to investigate any claim.\n(2) The Member must notify the Plan of a claim within 30 days of the treatment. The Plan will not pay any claim notified after that time.\n(3) The Member must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 9  Cancellation\n(1) The Member can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Member can cancel at any time; the Plan will refund the premium for the unexpired period less an administration charge of $30.\n(3) The Plan can cancel this policy by giving the Member 30 days' written notice to the last address the Plan holds.\n\n§ 10  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 11  Premium payment\n(1) The Member must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Plan may cancel the policy after giving notice.\n\n§ 12  Third-party administrators\n(1) The Plan may appoint another company to handle claims or other services on the Plan's behalf.\n(2) Any company the Plan appoints must follow the terms of this policy and applicable data protection law.\n\n§ 13  Payment of claims\n(1) The Plan will pay claims by bank transfer to an account in the Member's name.\n(2) The Plan aims to pay accepted claims within 15 working days of receiving all the documents the Plan needs.\n\n§ 14  Assignment\n(1) The Member cannot transfer the Member's interest in this policy to anyone else without the Plan's written consent.\n\n§ 15  Renewal\n(1) The Plan will write to the Member at least 21 days before the end of the policy period with the renewal terms.\n(2) The Plan is not obliged to offer renewal.\n\n§ 16  Sanctions\n(1) The Plan will not provide cover or pay any claim to the extent that doing so would expose the Plan to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 17  Customer support\n(1) The Plan's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Member can leave a message and the Plan will call back on the next working day.\n\n§ 18  Wellness allowance\n(1) Each plan year the Member may claim up to $250 towards a gym membership or fitness class.\n(2) The wellness allowance is not subject to any deductible and does not count towards other limits.\n\n§ 19  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 20  Subrogation\n(1) The Plan will be entitled to take over and conduct in the Member's name the defence or settlement of any claim.\n(2) The Plan can take action in the Member's name to recover any payment the Plan makes from anyone responsible for the loss.\n\n§ 21  Changes in circumstances\n(1) The Member must tell the Plan as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Plan may then change the premium or the terms of this policy, or cancel it.\n\n§ 22  Claims documents\n(1) The Member must provide, at the Member's own expense, original receipts, invoices, reports and any other evidence the Plan reasonably ask for.\n(2) The Plan may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 23  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Plan will pay only the Plan's proportionate share.\n(2) The Member must tell the Plan about any other insurance that covers the same loss when the Member makes a claim.\n\n§ 24  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 25  Waiver\n(1) If the Plan does not enforce any term of this policy, that does not mean the Plan has given up the right to enforce it later.\n\n§ 26  Salvage\n(1) When the Plan replaces an item, the damaged or recovered item becomes the Plan's property.\n(2) If stolen property is recovered after the Plan has paid a claim, the Member must tell the Plan and either return the payment or give the Plan the property.\n\n§ 27  Inflation\n(1) The Plan may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Member's renewal documents; limits do not change during a policy period.\n\n§ 28  Automatic renewal\n(1) Unless the Member tells the Plan otherwise, this policy will renew automatically at the end of the policy period using the payment details the Plan holds.\n(2) The Member can switch off automatic renewal at any time by contacting the Plan's helpline.\n\n§ 29  Coordination of benefits\n(1) If a treatment is also covered by another plan, the Plan will pay only the part of the cost that the other plan does not pay.\n(2) The Member must tell the Plan about any other plan that covers the Member or the Member's dependants.\n\n§ 30  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 31  Recovery of costs\n(1) If the Plan pays a claim that is later found not to be covered, the Plan may ask the Member to repay the amount.\n\n§ 32  Arbitration\n(1) If the Plan accepts a claim but disagree with the Member about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Plan.\n\n§ 33  Complaints\n(1) If the Member has a complaint, the Member should first contact the Plan's customer relations team, quoting the policy number.\n(2) The Plan will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Member remains dissatisfied, the Member may be able to refer the complaint to an independent ombudsman service.\n\n§ 34  Cooperation\n(1) The Member must give the Plan all the help and information the Plan reasonably need to settle a claim.\n(2) The Member must not admit liability or offer to settle any claim without the Plan's written permission.\n\n§ 35  Reasonable precautions\n(1) The Member must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Member must take reasonable steps to recover lost or stolen property.\n\n§ 36  Change of address\n(1) The Member must tell the Plan within 30 days if the Member changes the Member's address.\n(2) The Plan may change the premium or the terms from the date of the move.\n\n§ 37  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 38  Environmental commitment\n(1) Where practical, the Plan will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Member may ask for a new part instead, and the Plan will tell the Member whether any additional cost would apply.\n\n§ 39  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 40  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 41  Market conditions\n(1) If the replacement item is no longer available, the Plan will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 42  Notices\n(1) Any notice the Plan gives under this policy will be sent to the most recent postal or email address the Plan holds.\n(2) Notices from the Member should be sent to the address shown in the schedule.\n\n§ 43  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Plan may charge the premium without the discount from that date.\n\n§ 44  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 45  Electronic documents\n(1) The Plan will send documents by email unless the Member asks for paper copies.\n(2) The Member must tell the Plan if the Member's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 46  Data protection\n(1) The Plan will use the personal information the Member provides to administer this policy and to handle claims.\n(2) The Plan will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Member can ask for a copy of the personal information the Plan holds by writing to the Plan's data protection officer.\n\n§ 47  Records and evidence\n(1) The Member should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Plan may base any settlement on the price of a comparable item.\n(3) The Plan may ask for evidence of how and when an item was acquired.\n\n§ 48  Duty of fair presentation\n(1) The Member must answer all questions the Plan asks honestly and to the best of the Member's knowledge.\n(2) If the Member gives incorrect information deliberately or recklessly, the Plan may treat this policy as if it never existed and keep the premium.\n(3) If the Member gives incorrect information carelessly, the Plan may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 49  Eligibility\n(1) Employees who work at least 20 hours a week are eligible to join the plan from their first day of employment.\n(2) Contractors, agency workers and employees on unpaid leave of more than three months are not eligible.\n\n§ 50  Communication\n(1) The Plan will communicate with the Member in English.\n(2) The Plan may record telephone calls for training and quality purposes.\n\n§ 51  Interest\n(1) The Plan will not pay interest on any claim payment unless the law requires it.\n\n§ 52  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Plan may adjust the premium from the date of the change.\n\n§ 53  Leaving the plan\n(1) Cover ends on the day the Member's employment ends or the day the Member stops being eligible, whichever is earlier.\n(2) Claims for treatment received before cover ended may be submitted up to 90 days afterwards.\n\n§ 54  Instalment agreements\n(1) If the Member pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 55  Dependants\n(1) The Member may enrol dependants at the start of each plan year or within 30 days of a qualifying life event.\n(2) Benefits paid for dependants count towards the same annual limits as the Member's own claims.\n\n§ 56  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Plan will not pay the claim and all cover under this policy may be cancelled.\n(2) The Plan may share information with fraud prevention agencies and other insurers.\n\n§ 57  Exchange of information\n(1) To prevent fraud, the Plan may check the details the Member gives against public records and industry databases.\n(2) The Plan may contact previous insurers to confirm the Member's claims history.\n\n§ 58  Appeals\n(1) If the Plan declines all or part of a claim, the Member may appeal in writing within 60 days of the decision.\n(2) An appeal will be reviewed by someone who was not involved in the original decision.\n(3) The Plan will give the Member a written decision on the appeal within 30 days.\n\n§ 59  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 60  Compensation scheme\n(1) The Plan is covered by a financial services compensation scheme.\n(2) If the Plan cannot meet the Plan's obligations, the Member may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n=== CLAIM ===\nClaim summary: Lotte Varga; policy T541229; policy start 8 May 2025; schedule covers Dental Care, Vision Care, Therapy Services, Hearing Care; extensions none. Section claimed: Hearing Care, for a pair of hearing aids. Treatment date 22 March 2026; notified 13 April 2026; assessed loss $1,748. Facts: Lotte's previous plan-funded hearing aids were bought 18 months before this claim. Lotte submitted receipts through the benefits portal. Lotte's spouse is also enrolled in the plan. The provider issued an itemised invoice.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_less_fee": "Pay the assessed loss less the deductible", "deny_replacement": "Decline under the early replacement exclusion (§ 5(4))", "pay_sublimit": "Pay up to the Hearing accessories sublimit (§ 5(3))", "deny_waiting": "Decline: the treatment happened during the waiting period (§ 4(2))", "not_covered": "Decline: Hearing Care is not a cover shown in the schedule"}, "src": "hard_long_policy", "label": "deny_replacement"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$1,850", "b": "$1,598", "c": "$1,748", "d": "$2,000", "e": "$0"}, "src": "hard_long_policy", "label": "e"}}, "_meta": {"id": "hard-v1/long_policy/development/00012", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00012", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "benefits", "target": "deny_exclusion", "category": "hearing", "tempting": null, "facts": {"domain": "benefits", "fee_order": "after", "notice_days": 30, "categories": {"dental": {"limit": 1500, "fee": 50, "waiting": 60, "purchased": true}, "vision": {"limit": 300, "fee": 40, "waiting": 0, "purchased": true}, "therapy": {"limit": 2000, "fee": 50, "waiting": 0, "purchased": true}, "hearing": {"limit": 2000, "fee": 150, "waiting": 0, "purchased": true}}, "classes": {"major": {"category": "dental", "cap": 500}, "ortho": {"category": "dental", "cap": 600}, "frames": {"category": "vision", "cap": 120}, "massage": {"category": "therapy", "cap": 200}, "accessories": {"category": "hearing", "cap": 100}}, "exclusions": [{"key": "cosmetic", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "out_of_network", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "non_prescription", "categories": ["vision"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "frequency", "categories": ["vision"], "kind": "threshold", "thr": 12, "cmp": "lt", "has_exception": false}, {"key": "work_injury", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unregistered", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "replacement", "categories": ["hearing"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}], "case": {"category": "hearing", "item": "the hearing aids", "item_class": null, "loss_cents": 174800, "start": "2025-05-08", "incident": "2026-03-22", "reported": "2026-04-13", "conditions": {}, "values": {"replacement": 18}, "exceptions": {}}, "options_q": {"outcome": {"pay_less_fee": "pay_less_fee", "deny_replacement": "deny_replacement", "pay_sublimit": "pay_sublimit", "deny_waiting": "deny_waiting", "not_covered": "not_covered"}, "amount": {"a": 185000, "b": 159800, "c": 174800, "d": 200000, "e": 0}}}, "text_sha256": "b2bc8c085cb578854a2a9545f7270f9d226caae48d58178692a197c604312f22", "state_tokens": 4450}}
{"state": "MEMO\nRe: Group structure\n\nAn entity controls a company if it holds more than 50% of that company's shares, counting shares it holds directly and shares held by companies it controls. Juno Capital owns 83% of Aldermoor Holdings. Birchfield Capital owns 17% of Aldermoor Holdings.\n\nGarrow Trust owns 33% of Fenwick Industries. Hollis Investments owns 27% of Fenwick Industries. Aldermoor Holdings owns 40% of Fenwick Industries.", "questions": {"controller": {"type": "choice", "instructions": "Name the ultimate controller of Fenwick Industries.", "criteria": {"juno_capital": null, "hollis_investments": null, "no_controller": "No entity controls it", "garrow_trust": null, "aldermoor_holdings": null}, "src": "hard_multi_hop", "label": "no_controller"}, "interest": {"type": "choice", "instructions": "What is Juno Capital's effective economic interest in Fenwick Industries (its share of Fenwick Industries's profits through all holdings)?", "criteria": {"a": "67.0%", "b": "66.4%", "c": "83.0%", "d": "33.2%", "e": "40.0%"}, "src": "hard_multi_hop", "label": "d"}}, "_meta": {"id": "hard-v1/multi_hop/development/00006", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00006", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "ownership", "shape": "none", "facts": {"kind": "ownership", "stakes": {"Aldermoor Holdings": {"Juno Capital": "83/100", "Birchfield Capital": "17/100"}, "Fenwick Industries": {"Aldermoor Holdings": "40/100", "Garrow Trust": "33/100", "Hollis Investments": "27/100"}}, "candidates": ["Juno Capital", "Garrow Trust", "Aldermoor Holdings", "Hollis Investments"], "target": "Fenwick Industries", "top": "Juno Capital", "options_q": {"controller": {"juno_capital": "juno_capital", "hollis_investments": "hollis_investments", "no_controller": "no_controller", "garrow_trust": "garrow_trust", "aldermoor_holdings": "aldermoor_holdings"}, "interest": {"a": 670, "b": 664, "c": 830, "d": 332, "e": 400}}}, "text_sha256": "2283f4569a0cac54e3f0ed819c97fab0c433f8da35aaba74b908d4d45505471b", "state_tokens": 110}}
{"state": "MEMO\nRe: Project funding decision\n\nThe planning team must fund exactly one of 4 projects and wants the highest expected net value (expected payoff minus up-front cost). Project Fjord costs $0 up front and has a five percent chance of a gain of $580,000; a sixty-five percent chance of a gain of $490,000; a thirty percent chance of a gain of $90,000. Project Atlas costs $80,000 up front and has a eighty-five percent chance of a gain of $830,000; a fifteen percent chance of a loss of $30,000.\n\nProject Cedar costs $20,000 up front and has a twenty-five percent chance of a gain of $730,000; a seventy-five percent chance of a gain of $70,000. Project Ember costs $80,000 up front and has a thirty percent chance of a gain of $380,000; a fifteen percent chance of a gain of $150,000; a fifty-five percent chance of a gain of $90,000.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which project has the highest expected net value?", "criteria": {"project_cedar": null, "project_ember": null, "project_atlas": null, "project_fjord": null}, "src": "hard_probability", "label": "project_atlas"}, "value": {"type": "choice", "instructions": "Per the figures given, What is the expected net value of Project Cedar?", "criteria": {"a": "$710,000", "b": "$380,000", "c": "$195,000", "d": "$215,000", "e": "$235,000"}, "src": "hard_probability", "label": "d"}}, "_meta": {"id": "hard-v1/probability/development/00034", "source": "hard_probability", "group_id": "hard-v1/probability/development/00034", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "ev", "facts": {"kind": "ev", "p": {}, "projects": {"Project Fjord": {"outcomes": [["5/100", 580000], ["65/100", 490000], ["30/100", 90000]], "cost": 0}, "Project Atlas": {"outcomes": [["85/100", 830000], ["15/100", -30000]], "cost": 80000}, "Project Cedar": {"outcomes": [["25/100", 730000], ["75/100", 70000]], "cost": 20000}, "Project Ember": {"outcomes": [["30/100", 380000], ["15/100", 150000], ["55/100", 90000]], "cost": 80000}}, "asked": "Project Cedar", "options_q": {"choice": {"project_cedar": "project_cedar", "project_ember": "project_ember", "project_atlas": "project_atlas", "project_fjord": "project_fjord"}, "value": {"a": 710000, "b": 380000, "c": 195000, "d": 215000, "e": 235000}}}, "text_sha256": "d6d3c83f5383bfcfaf4117841736e487192baf7a2a02ace63910354d5fb8516f", "state_tokens": 259}}
{"state": "MEMO\nRe: Overtime\n\nHours beyond 40 in a Monday-to-Sunday week are overtime. No shift may exceed 12 hours. Arjun Castillo worked 12 hours on Monday. Arjun Castillo worked 10 hours on Tuesday.\n\nArjun Castillo worked 10 hours on Wednesday. Arjun Castillo worked 11 hours on Thursday. Arjun's Friday timesheet has not been submitted.\n\nArjun did not work at the weekend.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "overtime_due": "Overtime is due for this week", "no_overtime": "No overtime is due for this week"}, "src": "hard_ambiguous", "label": "overtime_due"}}, "_meta": {"id": "hard-v1/ambiguous/development/00095", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00094", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "overtime", "twin": "absent", "absent_kind": "nondeciding", "explicit_unknown": true, "facts": {"scenario": "overtime", "insufficient_key": "not_enough_information", "params": {"hours": [12, 10, 10, 11, null], "max_shift": 12}, "deciding_present": false, "options_q": {"decision": {"not_enough_information": "not_enough_information", "overtime_due": "overtime_due", "no_overtime": "no_overtime"}}}, "text_sha256": "7808f3b2e069233267a2cd73a92a7d1c342888968808004ec2942af34114214a", "state_tokens": 98}}
{"state": "MEMO\nRe: Quarterly breakdown\n\nCounts of units inspected last week by shift and result: night shift: 133 defective, 35 passed. day shift: 23 defective, 90 passed.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, Among day shift records, what share were defective?", "criteria": {"a": "40.2%", "b": "14.7%", "c": "8.2%", "d": "20.4%", "e": "55.5%"}, "src": "hard_probability", "label": "d"}}, "_meta": {"id": "hard-v1/probability/development/00032", "source": "hard_probability", "group_id": "hard-v1/probability/development/00032", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "table", "facts": {"kind": "table", "p": {}, "counts": {"night shift": {"defective": 133, "passed": 35}, "day shift": {"defective": 23, "passed": 90}}, "row": "day shift", "col": "defective", "ask": "col_given_row", "options_q": {"value": {"a": 402, "b": 147, "c": 82, "d": 204, "e": 555}}}, "text_sha256": "91d23fe9bf74472a6b865f344bbe87f84a9b7b115cc9d86a2ff9e042c136d277", "state_tokens": 46}}
{"state": "MEMO\nRe: Overtime\n\nHours beyond 40 in a Monday-to-Sunday week are overtime. No shift may exceed 12 hours. Fiona Haddad worked 10 hours on Monday. Fiona Haddad worked 7 hours on Tuesday.\n\nFiona Haddad worked 9 hours on Wednesday. Fiona Haddad worked 7 hours on Thursday. Fiona Haddad worked 12 hours on Friday.\n\nFiona did not work at the weekend.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"overtime_due": "Overtime is due for this week", "not_enough_information": "The information given is not enough to decide", "no_overtime": "No overtime is due for this week"}, "src": "hard_ambiguous", "label": "overtime_due"}}, "_meta": {"id": "hard-v1/ambiguous/development/00002", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00002", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "overtime", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "overtime", "insufficient_key": "not_enough_information", "params": {"hours": [10, 7, 9, 7, 12], "max_shift": 12}, "deciding_present": true, "options_q": {"decision": {"overtime_due": "overtime_due", "not_enough_information": "not_enough_information", "no_overtime": "no_overtime"}}}, "text_sha256": "4d38b3d84606631e012125bc9c3a4d85dd6a36ba22acd9628c08339e3a3a9206", "state_tokens": 101}}
{"state": "HOUSEHOLD CONTENTS COVER: POLICY BOOKLET\nIssued by Keystone Home Mutual\nIn this policy, \"the Insurer\" means Keystone Home Mutual and \"the Policyholder\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Art and antiques means paintings, antiques, rugs and other works of art.\n(2) Bicycles means bicycles and electric scooters.\n(3) Business day means Monday to Friday, excluding public holidays.\n(4) Garden items means garden furniture, plants and outdoor tools.\n(5) High-risk items means jewellery, watches, laptops, games consoles and cameras.\n(6) Home means the private residence at the address shown in the schedule.\n(7) Incident means a single event, or a series of events arising from one cause.\n(8) Limit means the most the Insurer will pay for all claims under a section arising from one incident.\n(9) Outbuilding means a shed, garage or greenhouse within the boundaries of the home.\n(10) Portable electronics means laptops, tablets and mobile phones.\n(11) Premium means the amount the Policyholder must pay for this policy, including any taxes.\n(12) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(13) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(14) Schedule means the document issued with this policy that shows the Policyholder's details, the covers the Policyholder bought and any extensions.\n(15) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(16) Unoccupied means not lived in by the Policyholder or a member of the Policyholder's family for more than 45 consecutive days.\n\n§ 2  Limits and excess\n(1) Theft: limit $20,000 per incident; excess $100 per claim.\n(2) Escape of Water: limit $30,000 per incident; excess $250 per claim.\n(3) Accidental Damage: limit $3,000 per incident; excess $100 per claim.\n(4) Flood: limit $20,000 per incident; excess $500 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Escape of Water\n(1) The Insurer will pay for contents damaged by water escaping from a fixed pipe, tank or domestic appliance.\n(2) The most the Insurer will pay for Art and antiques under this section is $2,000 per incident.\n(3) The Insurer will not pay for damage caused by water leaking gradually over a period of time.\n(4) The Insurer will not pay for damage caused by the failure of grout or sealant around baths and showers.\n\n§ 4  Flood\n(1) The Insurer will pay for contents damaged by flood water entering the Policyholder's home.\n(2) No cover applies under this section to any incident that happens within the first 30 days after the policy start date.\n(3) The most the Insurer will pay for Garden items under this section is $500 per incident.\n(4) The Insurer will not pay for flood damage where a flood warning for the Policyholder's area had been issued before the policy started.\n\n§ 5  Optional cover: Accidental Damage\n(1) The Insurer will pay for sudden and unexpected accidental damage to the Policyholder's contents inside the home.\n(2) This section applies only if it is shown as purchased in the Policyholder's schedule.\n(3) The most the Insurer will pay for Portable electronics under this section is $500 per incident.\n(4) The Insurer will not pay for damage caused by pets.\n(5) The Insurer will not pay for wear and tear, or damage that happens gradually.\n\n§ 6  Theft\n(1) The Insurer will pay for contents stolen from the Policyholder's home.\n(2) The most the Insurer will pay for High-risk items under this section is $1,500 per incident.\n(3) The most the Insurer will pay for Bicycles under this section is $500 per incident.\n(4) The Insurer will not pay for theft while the home is unoccupied.\n(5) The Insurer will not pay for theft where there is no sign of forced entry to the home. This exclusion does not apply where the thief gained entry by deception, for example by posing as a utility worker.\n(6) The Insurer will not pay for theft from sheds, garages or other outbuildings. This exclusion does not apply if the outbuilding was locked and the theft involved forcible entry.\n\n§ 7  General exclusions\n(1) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n(2) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n(3) The Insurer will not pay for any deliberate or criminal act by the Policyholder.\n(4) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(5) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n(6) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n\n§ 8  Making a claim\n(1) The Policyholder must notify the Insurer of a claim within 14 days of the incident. The Insurer will not pay any claim notified after that time.\n(2) The Insurer may appoint a loss adjuster to investigate any claim.\n(3) The Policyholder must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 9  Tenant's improvements\n(1) If the Policyholder rents the home, the Insurer will pay for damage to fixtures and fittings that the Policyholder installed and are responsible for.\n(2) This cover applies only to improvements the Policyholder paid for, not to items provided by the landlord.\n\n§ 10  Market conditions\n(1) If the replacement item is no longer available, the Insurer will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 11  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Policyholder must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 12  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Insurer will pay only the Insurer's proportionate share.\n(2) The Policyholder must tell the Insurer about any other insurance that covers the same loss when the Policyholder makes a claim.\n\n§ 13  Duty of fair presentation\n(1) The Policyholder must answer all questions the Insurer asks honestly and to the best of the Policyholder's knowledge.\n(2) If the Policyholder gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Policyholder gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 14  Waiver\n(1) If the Insurer does not enforce any term of this policy, that does not mean the Insurer has given up the right to enforce it later.\n\n§ 15  Communication\n(1) The Insurer will communicate with the Policyholder in English.\n(2) The Insurer may record telephone calls for training and quality purposes.\n\n§ 16  Arbitration\n(1) If the Insurer accepts a claim but disagree with the Policyholder about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Insurer.\n\n§ 17  Reasonable precautions\n(1) The Policyholder must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Policyholder must take reasonable steps to recover lost or stolen property.\n\n§ 18  Contents temporarily removed\n(1) The Policyholder's contents are covered while temporarily removed from the home to another building in the same country, for up to 60 days.\n(2) Contents in a student hall of residence are covered only if the student is a member of the Policyholder's family.\n\n§ 19  Locks and keys\n(1) If the keys to the Policyholder's home are lost or stolen, the Insurer will pay the cost of replacing the locks to the outside doors.\n(2) The most the Insurer will pay under this clause is $750 for any one claim.\n\n§ 20  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 21  Change of address\n(1) The Policyholder must tell the Insurer within 30 days if the Policyholder changes the Policyholder's address.\n(2) The Insurer may change the premium or the terms from the date of the move.\n\n§ 22  Records and evidence\n(1) The Policyholder should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 23  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 24  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 25  Garden and outdoor cover\n(1) The Insurer will pay for plants, trees and shrubs in the garden of the home that are damaged by fire, lightning or theft.\n(2) The Insurer will not pay for damage caused by frost, storms, drought or animals.\n\n§ 26  Data protection\n(1) The Insurer will use the personal information the Policyholder provides to administer this policy and to handle claims.\n(2) The Insurer will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Policyholder can ask for a copy of the personal information the Insurer holds by writing to the Insurer's data protection officer.\n\n§ 27  Alternative accommodation\n(1) If the Policyholder's home cannot be lived in after damage covered by this policy, the Insurer will pay the reasonable cost of comparable temporary accommodation.\n(2) The Insurer will also pay for the temporary housing of pets that live with the Policyholder.\n(3) Cover ends when the home is fit to live in again or after twelve months, whichever is sooner.\n\n§ 28  Inflation\n(1) The Insurer may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Policyholder's renewal documents; limits do not change during a policy period.\n\n§ 29  Assignment\n(1) The Policyholder cannot transfer the Policyholder's interest in this policy to anyone else without the Insurer's written consent.\n\n§ 30  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 31  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Policyholder gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Policyholder's claims history.\n\n§ 32  Compensation scheme\n(1) The Insurer is covered by a financial services compensation scheme.\n(2) If the Insurer cannot meet the Insurer's obligations, the Policyholder may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 33  Automatic renewal\n(1) Unless the Policyholder tells the Insurer otherwise, this policy will renew automatically at the end of the policy period using the payment details the Insurer holds.\n(2) The Policyholder can switch off automatic renewal at any time by contacting the Insurer's helpline.\n\n§ 34  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 35  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 36  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 37  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Policyholder should be sent to the address shown in the schedule.\n\n§ 38  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 39  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 40  Payment of claims\n(1) The Insurer will pay claims by bank transfer to an account in the Policyholder's name.\n(2) The Insurer aims to pay accepted claims within 10 working days of receiving all the documents the Insurer needs.\n\n§ 41  Freezer contents\n(1) The Insurer will pay for food in a domestic freezer that spoils because of a rise or fall in temperature.\n(2) The Insurer will not pay if the freezer is more than fifteen years old, or if the electricity supplier cut the supply deliberately.\n\n§ 42  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 43  Environmental commitment\n(1) Where practical, the Insurer will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Policyholder may ask for a new part instead, and the Insurer will tell the Policyholder whether any additional cost would apply.\n\n=== CLAIM ===\nClaim summary: Tomas Delgado; policy T301448; policy start 20 July 2026; schedule covers Theft, Escape of Water, Accidental Damage, Flood; extensions none. Section claimed: Escape of Water, for an antique rug. Incident date 5 February 2027; notified 7 February 2027; assessed loss $4,228.40. Facts: A pipe under the kitchen sink burst suddenly during a cold night and soaked the antique rug. The plumber's report says the pipe failed suddenly. Tomas has lived at the property for four years. A neighbour reported the incident to the building manager.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_less_fee": "Pay the assessed loss less the excess", "deny_gradual": "Decline under the gradual leaks exclusion (§ 3(3))", "pay_limit": "Pay up to the Escape of Water limit", "deny_waiting": "Decline: the incident happened during the waiting period (§ 4(2))", "pay_sublimit": "Pay up to the Art and antiques sublimit (§ 3(2))"}, "src": "hard_long_policy", "label": "pay_sublimit"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$1,750", "b": "$2,000", "c": "$29,750", "d": "$3,978.40", "e": "$4,228.40"}, "src": "hard_long_policy", "label": "b"}}, "_meta": {"id": "hard-v1/long_policy/development/00018", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00018", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "home", "target": "pay_sublimit", "category": "water", "tempting": null, "facts": {"domain": "home", "fee_order": "before", "notice_days": 14, "categories": {"theft": {"limit": 20000, "fee": 100, "waiting": 0, "purchased": true}, "water": {"limit": 30000, "fee": 250, "waiting": 0, "purchased": true}, "accidental": {"limit": 3000, "fee": 100, "waiting": 0, "purchased": true}, "flood": {"limit": 20000, "fee": 500, "waiting": 30, "purchased": true}}, "classes": {"high_risk": {"category": "theft", "cap": 1500}, "bicycles": {"category": "theft", "cap": 500}, "art": {"category": "water", "cap": 2000}, "portable": {"category": "accidental", "cap": 500}, "garden": {"category": "flood", "cap": 500}}, "exclusions": [{"key": "unoccupied", "categories": ["theft"], "kind": "threshold", "thr": 45, "cmp": "gt", "has_exception": false}, {"key": "no_forced_entry", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "outbuilding", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "gradual", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "sealant", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pets", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear_home", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "flood_warning", "categories": ["flood"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "water", "item": "the antique rug", "item_class": "art", "loss_cents": 422840, "start": "2026-07-20", "incident": "2027-02-05", "reported": "2027-02-07", "conditions": {"gradual": false}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"pay_less_fee": "pay_less_fee", "deny_gradual": "deny_gradual", "pay_limit": "pay_limit", "deny_waiting": "deny_waiting", "pay_sublimit": "pay_sublimit"}, "amount": {"a": 175000, "b": 200000, "c": 2975000, "d": 397840, "e": 422840}}}, "text_sha256": "8e3f024f2ed270b57a4251ddea8bcb1a4682aaeee9789d7c2071c07df6659d55", "state_tokens": 3500}}
{"state": "MEMO\nRe: Tenure\n\nEmployees are eligible for a sabbatical once they have completed 5 years of continuous employment with the company on the date they apply. Idris Novak applied for the sabbatical on 2026-11-25. Idris joined the company on 2018-09-05.\n\nIdris moved to the Payments team on 2023-09-23. Idris's manager supports the application.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_eligible": "Not yet eligible", "not_enough_information": "The information given is not enough to decide", "eligible": "Eligible for the sabbatical"}, "src": "hard_ambiguous", "label": "eligible"}}, "_meta": {"id": "hard-v1/ambiguous/development/00038", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00038", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "tenure", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "tenure", "insufficient_key": "not_enough_information", "params": {"years": 5, "apply": "2026-11-25", "hired": "2018-09-05", "moved": "2023-09-23"}, "deciding_present": true, "options_q": {"decision": {"not_eligible": "not_eligible", "not_enough_information": "not_enough_information", "eligible": "eligible"}}}, "text_sha256": "dc67371b3db6be64db48e8da79062637d648de09b5855b5478faa5643c1ab12e", "state_tokens": 108}}
{"state": "REVIEW REQUEST\nItem: A shop bought 76 units at $9.99 each and later 67 units at $45.54 each. What is the average cost per unit across all units bought, to the nearest cent?\nSubmitted result: I think $1,905.21", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$26.65", "b": "$28.88", "c": "$27.77", "d": "$1,905.22", "e": "$1,905.21"}, "src": "hard_judge", "label": "a"}}, "_meta": {"id": "hard-v1/judge/development/00056", "source": "hard_judge", "group_id": "hard-v1/judge/development/00056", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "wavg", "error": "total_over_batches", "facts": {"kind": "wavg", "args": {"n1": 76, "p1": "999/100", "n2": 67, "p2": "2277/50"}, "dp": 2, "proposed": 190521, "error": "total_over_batches", "options_q": {"value": {"a": 2665, "b": 2888, "c": 2777, "d": 190522, "e": 190521}}}, "text_sha256": "636bc235aa4557c345346db03bc89d480f5b414ae799d9588dbec774907fb32d", "state_tokens": 67}}
{"state": "MEMO\nRe: Tenure\n\nEmployees are eligible for a sabbatical once they have completed 2 years of continuous employment with the company on the date they apply. Nia Horvat applied for the sabbatical on 2026-08-01. Nia joined the company on 2025-07-25.\n\nNia moved to the Search team on 2025-09-11. Nia's manager supports the application.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "eligible": "Eligible for the sabbatical", "not_eligible": "Not yet eligible"}, "src": "hard_ambiguous", "label": "not_eligible"}}, "_meta": {"id": "hard-v1/ambiguous/development/00054", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00054", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "tenure", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "tenure", "insufficient_key": "not_enough_information", "params": {"years": 2, "apply": "2026-08-01", "hired": "2025-07-25", "moved": "2025-09-11"}, "deciding_present": true, "options_q": {"decision": {"not_enough_information": "not_enough_information", "eligible": "eligible", "not_eligible": "not_eligible"}}}, "text_sha256": "3815fb18291a82e47cd7f80b981e7e9af322bfe19ee4e61c250dbcec3b8911cc", "state_tokens": 102}}
{"state": "MEMO\nRe: Alert from push gateway\n\nPaging rule: an alert pages the owning team's primary on-call; if the primary is on leave that day, it pages the secondary; if the secondary is also on leave, it pages the team's engineering manager. The Messaging engineering manager is Ashok. Rafael is on leave from September 2, 2026 to September 4, 2026 inclusive.\n\nThis week's Identity primary on-call is Kwame and the secondary is Omar. Felix is on leave from September 4, 2026 to September 10, 2026 inclusive. Alerts from the ranking model are owned by the Data Platform team.\n\nAlerts from the login service are owned by the Identity team. This week's Messaging primary on-call is Felix and the secondary is Lena. This week's Data Platform primary on-call is Rafael and the secondary is Bram.\n\nAlerts from the card tokenizer are owned by the Identity team. Alerts from the push gateway are owned by the Messaging team. The Identity engineering manager is Wen.\n\nThe Data Platform engineering manager is Greta. Lena is on leave from August 31, 2026 to September 9, 2026 inclusive. On September 4, 2026, an alert fired from the push gateway.", "questions": {"paged": {"type": "choice", "instructions": "Who is the right person to page?", "criteria": {"kwame": null, "ashok": null, "felix": null, "lena": null}, "src": "hard_multi_hop", "label": "ashok"}}, "_meta": {"id": "hard-v1/multi_hop/development/00034", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00034", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "oncall", "facts": {"kind": "oncall", "routes": {"card tokenizer": "Identity", "push gateway": "Messaging", "ranking model": "Data Platform", "login service": "Identity"}, "primary": {"Identity": "Kwame", "Messaging": "Felix", "Data Platform": "Rafael"}, "secondary": {"Identity": "Omar", "Messaging": "Lena", "Data Platform": "Bram"}, "manager": {"Identity": "Wen", "Messaging": "Ashok", "Data Platform": "Greta"}, "leave": {"Felix": [["2026-09-04", "2026-09-10"]], "Lena": [["2026-08-31", "2026-09-09"]], "Rafael": [["2026-09-02", "2026-09-04"]]}, "component": "push gateway", "date": "2026-09-04", "options_q": {"paged": {"kwame": "kwame", "ashok": "ashok", "felix": "felix", "lena": "lena"}}}, "text_sha256": "54e3f543d6e6425601135e240a01366f797a8f51f188d393971499931fe8a4fd", "state_tokens": 280}}
{"state": "MEMO\nRe: Approval routing\n\nPurchase requests of this size must be approved by the requester's manager's manager (the skip-level manager). Rosa reports to Kenji. Kenji reports to Zainab.\n\nFiona reports to Kenji. Zainab reports to Farah. Amara reports to Jae.\n\nViktor reports to Greta. Rosa is a Manager. Jae is a Director.\n\nFarah is a Vice President. Kofi is a Manager. Viktor is a Vice President.\n\nMateo is a Manager. Ayla is a Director. Amara is a Manager.\n\nFiona is a Manager. Wen is a Manager. Zainab is a Director.\n\nKenji is a Manager. Greta is a Chief Executive. Tomas is a Manager.\n\nAyla reports to Viktor. Mateo reports to Tomas. Wen reports to Tomas.\n\nJae reports to Zainab. Farah reports to Greta. Kofi reports to Jae.\n\nTomas reports to Ayla. Amara has submitted a purchase request for $39,250.", "questions": {"approver": {"type": "choice", "instructions": "Which person has to approve the request?", "criteria": {"fiona": null, "greta": null, "zainab": null, "farah": null, "jae": null}, "src": "hard_multi_hop", "label": "zainab"}}, "_meta": {"id": "hard-v1/multi_hop/development/00022", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00022", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "org", "rule": "skip", "hops": 4, "facts": {"kind": "org", "reports": {"Viktor": "Greta", "Farah": "Greta", "Ayla": "Viktor", "Zainab": "Farah", "Tomas": "Ayla", "Jae": "Zainab", "Kenji": "Zainab", "Wen": "Tomas", "Mateo": "Tomas", "Kofi": "Jae", "Amara": "Jae", "Rosa": "Kenji", "Fiona": "Kenji"}, "titles": {"Greta": "Chief Executive", "Viktor": "Vice President", "Farah": "Vice President", "Ayla": "Director", "Zainab": "Director", "Tomas": "Manager", "Jae": "Director", "Kenji": "Manager", "Wen": "Manager", "Mateo": "Manager", "Kofi": "Manager", "Amara": "Manager", "Rosa": "Manager", "Fiona": "Manager"}, "requester": "Amara", "rule": "skip", "min_title": "Director", "options_q": {"approver": {"fiona": "fiona", "greta": "greta", "zainab": "zainab", "farah": "farah", "jae": "jae"}}}, "text_sha256": "809d26537f512d833bf4c0c9fce574522dc050773609356b945963937703db10", "state_tokens": 225}}
{"state": "MEMO\nRe: Outage: geo-lookup\n\nOutages propagate along hard dependencies: if a service goes down, every service that depends on it, directly or through other hard dependencies, is affected. Soft dependencies do not propagate outages. search-indexer depends on reporting-etl. ledger-service depends on fraud-scorer.\n\nauth-service depends on search-indexer. inventory-db depends on catalog-api. catalog-api depends on geo-lookup.\n\ngeo-lookup depends on fraud-scorer. user-profile depends on catalog-api (soft dependency: it degrades gracefully and keeps working if catalog-api is down). notification-hub depends on inventory-db.\n\ngeo-lookup is currently down.", "questions": {"affected": {"type": "choice", "instructions": "Which of these will the outage reach?", "criteria": {"ledger_service": null, "none_affected": "None of these services is affected", "user_profile": null, "fraud_scorer": null}, "src": "hard_multi_hop", "label": "none_affected"}}, "_meta": {"id": "hard-v1/multi_hop/development/00096", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00096", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "deps", "hops": 3, "soft": true, "facts": {"kind": "deps", "edges": [["catalog-api", "geo-lookup", false], ["inventory-db", "catalog-api", false], ["notification-hub", "inventory-db", false], ["geo-lookup", "fraud-scorer", false], ["search-indexer", "reporting-etl", false], ["ledger-service", "fraud-scorer", false], ["user-profile", "catalog-api", true], ["auth-service", "search-indexer", false]], "down": "geo-lookup", "candidates": ["fraud-scorer", "ledger-service", "user-profile"], "options_q": {"affected": {"ledger_service": "ledger_service", "none_affected": "none_affected", "user_profile": "user_profile", "fraud_scorer": "fraud_scorer"}}}, "text_sha256": "59c1b68954519930e3f5a99c48d408972eaaf53f1f995555e58efa412893289b", "state_tokens": 142}}
{"state": "SPEC SHEET: a CI/CD provider for the platform team\nPipewright | monthly cost=$1,675 | median build time=17 minutes | parallel jobs=52 jobs | reliability score=9/10 | vendor stability score=8/10 | support quality score=5/10 | self-hosted runners=yes | SSO login=yes\nRelay CI | monthly cost=$2,300 | median build time=4 minutes | parallel jobs=36 jobs | reliability score=5/10 | vendor stability score=5/10 | support quality score=6/10 | self-hosted runners=yes | SSO login=yes\nTessel Build | monthly cost=$3,000 | median build time=8 minutes | parallel jobs=60 jobs | reliability score=7/10 | vendor stability score=8/10 | support quality score=5/10 | self-hosted runners=yes | SSO login=yes\nR1: it must offer SSO login\nR2: its median build time must be at most 6 minutes\nSelection: Each option has been scored from 1 to 10 on reliability, vendor stability and support quality (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 50% reliability, 30% vendor stability, 20% support quality.", "questions": {"choice": {"type": "choice", "instructions": "Which provider best satisfies the brief?", "criteria": {"tessel_build": null, "pipewright": null, "relay_ci": null}, "src": "hard_tradeoff", "label": "relay_ci"}, "meets": {"type": "noul", "instructions": "Is Relay CI compliant with all the hard requirements?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00022", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00022", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "provider", "none_case": false, "facts": {"rule": "weighted", "options": {"Pipewright": {"cost": 1675, "build": 17, "concurrency": 52, "selfhosted": true, "sso": true, "reliability": 9, "vendor stability": 8, "support quality": 5}, "Relay CI": {"cost": 2300, "build": 4, "concurrency": 36, "selfhosted": true, "sso": true, "reliability": 5, "vendor stability": 5, "support quality": 6}, "Tessel Build": {"cost": 3000, "build": 8, "concurrency": 60, "selfhosted": true, "sso": true, "reliability": 7, "vendor stability": 8, "support quality": 5}}, "constraints": [{"attr": "sso", "op": "is", "value": true}, {"attr": "build", "op": "<=", "value": 6}], "priority": [], "weights": {"reliability": 50, "vendor stability": 30, "support quality": 20}, "years": null, "check": "Relay CI", "options_q": {"choice": {"tessel_build": "tessel_build", "pipewright": "pipewright", "relay_ci": "relay_ci"}}}, "text_sha256": "ae8305fc5948f795ad6efade47237911c12d479773b9d75b2b2533a7d9dff911", "state_tokens": 296}}
{"state": "MEMO\nRe: Shift pay check\n\nA warehouse worker clocked in at 18:00 on December 11, 2026 and clocked out at 02:45 the next day. They took a 60-minute unpaid break. The hourly rate is $21.00.\n\nPaid time beyond 8 hours in a shift is paid at 1.5 times the hourly rate.", "questions": {"pay": {"type": "choice", "instructions": "Shift pay due:", "criteria": {"a": "$244.13", "b": "$183.75", "c": "$191.63", "d": "$168.00", "e": "$162.75"}, "src": "hard_temporal_numeric", "label": "e"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00089", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00089", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "shift", "overtime": false, "facts": {"kind": "shift", "start": "2026-12-11T18:00", "end": "2026-12-12T02:45", "break_min": 60, "rate_cents": 2100, "ot_after_h": 8, "options_q": {"pay": {"a": 24413, "b": 18375, "c": 19163, "d": 16800, "e": 16275}}}, "text_sha256": "0798f3434803079e663c4ea0fdbae6c3c0dff66b521e60ff497e147331c15508", "state_tokens": 91}}
{"state": "MEMO\nRe: Reliability estimate\n\nAn order is confirmed if at least one of 4 redundant suppliers can fill it; each supplier's availability is independent of the others. Supplier A is able to fill an order ninety-two percent of the time. Supplier B is able to fill an order seventy-five percent of the time.\n\nSupplier C is able to fill an order ninety-seven percent of the time. Supplier D is able to fill an order ninety-five percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that at least one supplier can fill the order?", "criteria": {"a": "75.0%", "b": "0.0%", "c": "100.0%", "d": "36.4%", "e": "63.6%"}, "src": "hard_probability", "label": "c"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that at least one supplier can fill the order?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 5}}, "_meta": {"id": "hard-v1/probability/development/00054", "source": "hard_probability", "group_id": "hard-v1/probability/development/00054", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "independent", "facts": {"kind": "independent", "p": {}, "ps": ["92/100", "75/100", "97/100", "95/100"], "ask": "any", "options_q": {"value": {"a": 750, "b": 0, "c": 1000, "d": 364, "e": 636}}, "qid2": "bucket"}, "text_sha256": "5266fa71d6607f59c84887620d2163bd791d8cad7459798d9497a636461720c0", "state_tokens": 97}}
{"state": "MEMO\nRe: Project funding decision\n\nThe planning team must fund exactly one of 3 projects and wants the highest expected net value (expected payoff minus up-front cost). Project Cedar costs $20,000 up front and has a fifty-five percent chance of a gain of $40,000; a forty-five percent chance of a loss of $80,000. Project Delta costs $80,000 up front and has a five percent chance of a gain of $350,000; a ninety-five percent chance of a gain of $190,000.\n\nProject Garnet costs $80,000 up front and has a seventy percent chance of a loss of $20,000; a thirty percent chance of a loss of $200,000.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which project has the highest expected net value?", "criteria": {"project_garnet": null, "project_cedar": null, "project_delta": null}, "src": "hard_probability", "label": "project_delta"}, "value": {"type": "choice", "instructions": "Per the figures given, What is the expected net value of Project Delta?", "criteria": {"a": "$118,000", "b": "$270,000", "c": "$38,000", "d": "$198,000", "e": "$190,000"}, "src": "hard_probability", "label": "a"}}, "_meta": {"id": "hard-v1/probability/development/00084", "source": "hard_probability", "group_id": "hard-v1/probability/development/00084", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "ev", "facts": {"kind": "ev", "p": {}, "projects": {"Project Cedar": {"outcomes": [["55/100", 40000], ["45/100", -80000]], "cost": 20000}, "Project Delta": {"outcomes": [["5/100", 350000], ["95/100", 190000]], "cost": 80000}, "Project Garnet": {"outcomes": [["70/100", -20000], ["30/100", -200000]], "cost": 80000}}, "asked": "Project Delta", "options_q": {"choice": {"project_garnet": "project_garnet", "project_cedar": "project_cedar", "project_delta": "project_delta"}, "value": {"a": 118000, "b": 270000, "c": 38000, "d": 198000, "e": 190000}}}, "text_sha256": "4e54131c248097371adde67023ac8fa93c5502568430a049de4b54b1c7d15dbc", "state_tokens": 181}}
{"state": "MEMO\nRe: Price match\n\nWe match a competitor's lower price for an identical item if the competitor has it in stock at the time of the request, but we never match a price more than 15% below ours. If the competitor's price is not lower, no adjustment is needed. Luca Novak asked us to match Alder Finance's price for the same blender model. Our price is $410.00; Alder Finance lists it at $373.10.\n\nAlder Finance had the blender in stock when Luca asked. Luca is a returning customer.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "decline_match": "Decline the price match", "match_price": "Match the competitor's price", "no_adjustment": "No adjustment needed"}, "src": "hard_ambiguous", "label": "match_price"}}, "_meta": {"id": "hard-v1/ambiguous/development/00098", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00098", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "price_match", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "price_match", "insufficient_key": "not_enough_information", "params": {"ours_cents": 41000, "theirs_cents": 37310, "max_gap_pct": 15, "in_stock": true}, "deciding_present": true, "options_q": {"decision": {"not_enough_information": "not_enough_information", "decline_match": "decline_match", "match_price": "match_price", "no_adjustment": "no_adjustment"}}}, "text_sha256": "f8b162e1178ab9ea2e65f30270aff441da2725fec8e336c32fcb981805adb585", "state_tokens": 124}}
{"state": "MEMO\nRe: Reliability estimate\n\nA checkout succeeds only if all 3 independent steps succeed: the warehouse API, the tax service, the courier booking. The warehouse API succeeds ninety percent of the time. The tax service succeeds ninety-nine percent of the time.\n\nThe courier booking succeeds ninety-five percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that a checkout succeeds?", "criteria": {"a": "100.0%", "b": "15.4%", "c": "0.0%", "d": "90.0%", "e": "84.6%"}, "src": "hard_probability", "label": "e"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that a checkout succeeds?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 4}}, "_meta": {"id": "hard-v1/probability/development/00068", "source": "hard_probability", "group_id": "hard-v1/probability/development/00068", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "independent", "facts": {"kind": "independent", "p": {}, "ps": ["90/100", "99/100", "95/100"], "ask": "all", "options_q": {"value": {"a": 1000, "b": 154, "c": 0, "d": 900, "e": 846}}, "qid2": "bucket"}, "text_sha256": "7cdc60d2711829eab0c50d206727269d2a6478400baa804107adc9a2462252ea", "state_tokens": 66}}
{"state": "MEMO\nRe: Comparing odds\n\nThere is a thirty percent chance that the server patch installs without errors. There is a ninety percent chance that the ad campaign beats its target; these two are independent. There is a twenty-seven percent chance that the supplier delivers on time.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which is more likely?", "criteria": {"first_event": "Both of these happen: the server patch installs without errors, and the ad campaign beats its target", "second_event": "That the supplier delivers on time", "equally_likely": "They are equally likely"}, "src": "hard_probability", "label": "equally_likely"}}, "_meta": {"id": "hard-v1/probability/development/00013", "source": "hard_probability", "group_id": "hard-v1/probability/development/00013", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "compare", "facts": {"kind": "compare", "p": {}, "a": {"op": "and", "p1": "30/100", "p2": "90/100"}, "b": "27/100", "options_q": {"choice": {"first_event": "first_event", "second_event": "second_event", "equally_likely": "equally_likely"}}}, "text_sha256": "6dbe453d9075f0437d668d8ba076d8921b1feda9c9c044fe365f7dc434fe27f2", "state_tokens": 56}}
{"state": "MEMO\nRe: Alert from login service\n\nPaging rule: an alert pages the owning team's primary on-call; if the primary is on leave that day, it pages the secondary; if the secondary is also on leave, it pages the team's engineering manager. Alerts from the cart service are owned by the Search team. Alerts from the card tokenizer are owned by the Search team.\n\nThe Search engineering manager is Sofia. Alerts from the push gateway are owned by the Data Platform team. This week's Storage primary on-call is Omar and the secondary is Mira.\n\nAlerts from the login service are owned by the Storage team. Mira is on leave from April 27, 2026 to May 1, 2026 inclusive. The Data Platform engineering manager is Arjun.\n\nThis week's Data Platform primary on-call is Colm and the secondary is Farah. Omar is on leave from April 19, 2026 to April 21, 2026 inclusive. Colm is on leave from April 21, 2026 to April 21, 2026 inclusive.\n\nThis week's Search primary on-call is Aiko and the secondary is Ayla. The Storage engineering manager is Idris. On April 23, 2026, an alert fired from the login service.", "questions": {"paged": {"type": "choice", "instructions": "Who is the right person to page?", "criteria": {"mira": null, "omar": null, "colm": null, "idris": null}, "src": "hard_multi_hop", "label": "omar"}}, "_meta": {"id": "hard-v1/multi_hop/development/00017", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00017", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "oncall", "facts": {"kind": "oncall", "routes": {"card tokenizer": "Search", "login service": "Storage", "push gateway": "Data Platform", "cart service": "Search"}, "primary": {"Search": "Aiko", "Storage": "Omar", "Data Platform": "Colm"}, "secondary": {"Search": "Ayla", "Storage": "Mira", "Data Platform": "Farah"}, "manager": {"Search": "Sofia", "Storage": "Idris", "Data Platform": "Arjun"}, "leave": {"Omar": [["2026-04-19", "2026-04-21"]], "Mira": [["2026-04-27", "2026-05-01"]], "Colm": [["2026-04-21", "2026-04-21"]]}, "component": "login service", "date": "2026-04-23", "options_q": {"paged": {"mira": "mira", "omar": "omar", "colm": "colm", "idris": "idris"}}}, "text_sha256": "e56265b8891f0bd9c92afa904137680b4b8f46e048e57b219573538a0c3effcd", "state_tokens": 288}}
{"state": "REVIEW REQUEST\nItem: Monthly active users went from 2,835 to 3,596. What is the percentage change, to one decimal place (negative for a decrease)?\nSubmitted result: Answer: 26.8%", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "761.0%", "b": "126.8%", "c": "26.8%", "d": "-26.8%", "e": "21.2%"}, "src": "hard_judge", "label": "c"}}, "_meta": {"id": "hard-v1/judge/development/00046", "source": "hard_judge", "group_id": "hard-v1/judge/development/00046", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "pct_change", "error": null, "facts": {"kind": "pct_change", "args": {"old": 2835, "new": 3596}, "dp": 1, "proposed": 268, "error": null, "options_q": {"value": {"a": 7610, "b": 1268, "c": 268, "d": -268, "e": 212}}}, "text_sha256": "965a20b0f304d1eb9282805367f9be2575d7ce8910b3abdaa72f18661f89b278", "state_tokens": 53}}
{"state": "MEMO\nRe: Tenure\n\nEmployees are eligible for a sabbatical once they have completed 2 years of continuous employment with the company on the date they apply. Jonas Mbeki applied for the sabbatical on 8 May 2026. Jonas joined the company on 21 September 2024.\n\nJonas moved to the Payments team on 23 January 2025. Jonas's manager supports the application.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_eligible": "Not yet eligible", "eligible": "Eligible for the sabbatical", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "not_eligible"}}, "_meta": {"id": "hard-v1/ambiguous/development/00004", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00004", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "tenure", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "tenure", "insufficient_key": "not_enough_information", "params": {"years": 2, "apply": "2026-05-08", "hired": "2024-09-21", "moved": "2025-01-23"}, "deciding_present": true, "options_q": {"decision": {"not_eligible": "not_eligible", "eligible": "eligible", "not_enough_information": "not_enough_information"}}}, "text_sha256": "73471f67d9cba07d22126477e18c1ea5bd97c7c9965e6f29ee81ef4283963dac", "state_tokens": 95}}
{"state": "SPEC SHEET: a CI/CD provider for the platform team\nLoop Deploy | monthly cost=$1,075 | median build time=7 minutes | parallel jobs=24 jobs | one-time setup fee=$8,000 | self-hosted runners=yes | SSO login=yes\nForge Runner | monthly cost=$975 | median build time=24 minutes | parallel jobs=50 jobs | one-time setup fee=$0 | self-hosted runners=yes | SSO login=yes\nPipewright | monthly cost=$300 | median build time=23 minutes | parallel jobs=30 jobs | one-time setup fee=$15,000 | self-hosted runners=no | SSO login=yes\nR1: it must offer self-hosted runners\nSelection: Among the options that meet every requirement, choose the lowest total cost over 2 years: the one-time setup fee plus 2 years of the monthly cost.", "questions": {"choice": {"type": "choice", "instructions": "Which provider best satisfies the brief?", "criteria": {"none_qualifies": "Reject all options: none meets the requirements", "pipewright": null, "loop_deploy": null, "forge_runner": null}, "src": "hard_tradeoff", "label": "forge_runner"}, "meets": {"type": "noul", "instructions": "Is Pipewright compliant with all the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00091", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00091", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "tco", "context": "provider", "none_case": false, "facts": {"rule": "tco", "options": {"Loop Deploy": {"cost": 1075, "build": 7, "concurrency": 24, "selfhosted": true, "sso": true, "setup": 8000}, "Forge Runner": {"cost": 975, "build": 24, "concurrency": 50, "selfhosted": true, "sso": true, "setup": 0}, "Pipewright": {"cost": 300, "build": 23, "concurrency": 30, "selfhosted": false, "sso": true, "setup": 15000}}, "constraints": [{"attr": "selfhosted", "op": "is", "value": true}], "priority": [], "weights": {}, "years": 2, "check": "Pipewright", "options_q": {"choice": {"none_qualifies": "none_qualifies", "pipewright": "pipewright", "loop_deploy": "loop_deploy", "forge_runner": "forge_runner"}}}, "text_sha256": "bed6830a337d4fb7e361b547767dc83726dd5bbc337ee7415a190041ffbf793e", "state_tokens": 200}}
{"state": "ELECTRONICS CARE PLAN\nIssued by Tessera Warranty Company\nIn this policy, \"the Provider\" means Tessera Warranty Company and \"the Customer\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Accessories means cases, chargers, earbuds and styluses.\n(2) Accessories means cases, chargers and earbuds.\n(3) Battery replacement means replacement batteries and battery repairs.\n(4) Breakdown means the failure of a part to work as the manufacturer intended, from an internal electrical or mechanical fault.\n(5) Business day means Monday to Friday, excluding public holidays.\n(6) Device means the item shown in the schedule, bought new from an authorised retailer.\n(7) Incident means a single event, or a series of events arising from one cause.\n(8) Manufacturer's warranty period means the first 24 months after the device was bought.\n(9) Policy period means twelve months from the policy start date shown in the Customer's schedule.\n(10) Replacement device means a device of the same or similar specification, which may be refurbished.\n(11) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(12) Wearables means smartwatches and fitness trackers.\n\n§ 2  Limits and service fee\n(1) Accidental Damage: limit $800 per incident; service fee $79 per claim.\n(2) Breakdown: limit $600 per incident; service fee $25 per claim.\n(3) Theft and Loss: limit $800 per incident; service fee $149 per claim.\n(4) The service fee is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Optional cover: Theft and Loss\n(1) The Provider will replace the Customer's device if it is stolen or lost.\n(2) This section applies only if it is shown as purchased in the Customer's schedule.\n(3) The most the Provider will pay for Accessories under this section is $50 per incident.\n(4) The Provider will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Provider will not pay for theft that was not reported to the police.\n\n§ 4  Accidental Damage\n(1) The Provider will repair or replace the Customer's device if it is accidentally damaged.\n(2) The most the Provider will pay for Accessories under this section is $50 per incident.\n(3) The most the Provider will pay for Wearables under this section is $250 per incident.\n(4) The Provider will not pay for cosmetic damage, such as scratches or dents, that does not affect how the device works.\n(5) The Provider will not pay for damage following a repair by anyone other than the Provider or an authorised repairer. This exclusion does not apply if the Provider approved the repair in writing beforehand.\n\n§ 5  Breakdown\n(1) The Provider will repair or replace the Customer's device if it stops working because of an electrical or mechanical fault.\n(2) No cover applies under this section to any incident that happens within the first 45 days after the policy start date.\n(3) The most the Provider will pay for Battery replacement under this section is $80 per incident.\n(4) The Provider will not pay for breakdowns during the manufacturer's warranty period.\n(5) The Provider will not pay for breakdown caused by liquid getting into the device.\n\n§ 6  General exclusions\n(1) The Provider will not pay for any fraudulent claim or any claim supported by false documents.\n(2) The Provider will not pay for loss arising from a government order or sanction that prohibits the Provider from paying.\n(3) The Provider will not pay for any deliberate or criminal act by the Customer.\n(4) The Provider will not pay for loss or damage caused by war, invasion, or civil war.\n(5) The Provider will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(6) The Provider will not pay for loss caused by nuclear radiation or radioactive contamination.\n\n§ 7  Making a claim\n(1) The Provider may appoint a loss adjuster to investigate any claim.\n(2) The Customer must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Customer must notify the Provider of a claim within 14 days of the incident. The Provider will not pay any claim notified after that time.\n\n§ 8  Subrogation\n(1) The Provider will be entitled to take over and conduct in the Customer's name the defence or settlement of any claim.\n(2) The Provider can take action in the Customer's name to recover any payment the Provider makes from anyone responsible for the loss.\n\n§ 9  Transferring the plan\n(1) The Customer may transfer the plan to a new owner of the device by telling the Provider in writing.\n(2) The remaining term of the plan transfers with the device; the term does not restart.\n\n§ 10  Repair process\n(1) After a claim is accepted, the Provider will send a prepaid mailer or book a courier collection.\n(2) The Provider aims to return repaired devices within 5 business days of receiving them.\n\n§ 11  Claims documents\n(1) The Customer must provide, at the Customer's own expense, original receipts, invoices, reports and any other evidence the Provider reasonably ask for.\n(2) The Provider may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 12  Software support\n(1) The Provider's helpline can give advice on setting up and using the Customer's device.\n(2) Software support does not include fixing problems caused by third-party apps or unofficial operating systems.\n\n§ 13  Inflation\n(1) The Provider may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Customer's renewal documents; limits do not change during a policy period.\n\n§ 14  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 15  Complaints\n(1) If the Customer has a complaint, the Customer should first contact the Provider's customer relations team, quoting the policy number.\n(2) The Provider will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Customer remains dissatisfied, the Customer may be able to refer the complaint to an independent ombudsman service.\n\n§ 16  Electronic documents\n(1) The Provider will send documents by email unless the Customer asks for paper copies.\n(2) The Customer must tell the Provider if the Customer's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 17  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Provider will pay only the Provider's proportionate share.\n(2) The Customer must tell the Provider about any other insurance that covers the same loss when the Customer makes a claim.\n\n§ 18  Change of address\n(1) The Customer must tell the Provider within 30 days if the Customer changes the Customer's address.\n(2) The Provider may change the premium or the terms from the date of the move.\n\n§ 19  Third-party administrators\n(1) The Provider may appoint another company to handle claims or other services on the Provider's behalf.\n(2) Any company the Provider appoints must follow the terms of this policy and applicable data protection law.\n\n§ 20  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 21  Environmental commitment\n(1) Where practical, the Provider will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Customer may ask for a new part instead, and the Provider will tell the Customer whether any additional cost would apply.\n\n§ 22  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 23  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 24  Changes in circumstances\n(1) The Customer must tell the Provider as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Provider may then change the premium or the terms of this policy, or cancel it.\n\n§ 25  Cancellation\n(1) The Customer can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Customer can cancel at any time; the Provider will refund the premium for the unexpired period less an administration charge of $25.\n(3) The Provider can cancel this policy by giving the Customer 30 days' written notice to the last address the Provider holds.\n\n§ 26  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Provider may charge the premium without the discount from that date.\n\n§ 27  Duty of fair presentation\n(1) The Customer must answer all questions the Provider asks honestly and to the best of the Customer's knowledge.\n(2) If the Customer gives incorrect information deliberately or recklessly, the Provider may treat this policy as if it never existed and keep the premium.\n(3) If the Customer gives incorrect information carelessly, the Provider may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 28  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 29  Reasonable precautions\n(1) The Customer must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Customer must take reasonable steps to recover lost or stolen property.\n\n§ 30  Compensation scheme\n(1) The Provider is covered by a financial services compensation scheme.\n(2) If the Provider cannot meet the Provider's obligations, the Customer may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 31  Customer support\n(1) The Provider's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Customer can leave a message and the Provider will call back on the next working day.\n\n§ 32  Payment of claims\n(1) The Provider will pay claims by bank transfer to an account in the Customer's name.\n(2) The Provider aims to pay accepted claims within 5 working days of receiving all the documents the Provider needs.\n\n§ 33  Unrecoverable devices\n(1) If a device is found after the Provider has replaced it, the found device becomes the Provider's property and must be sent to the Provider.\n(2) The Provider may block devices reported as lost or stolen so that they cannot be used on mobile networks.\n\n§ 34  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 35  Cooperation\n(1) The Customer must give the Provider all the help and information the Provider reasonably need to settle a claim.\n(2) The Customer must not admit liability or offer to settle any claim without the Provider's written permission.\n\n§ 36  Arbitration\n(1) If the Provider accepts a claim but disagree with the Customer about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Provider.\n\n§ 37  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Provider will not pay the claim and all cover under this policy may be cancelled.\n(2) The Provider may share information with fraud prevention agencies and other insurers.\n\n§ 38  Exchange of information\n(1) To prevent fraud, the Provider may check the details the Customer gives against public records and industry databases.\n(2) The Provider may contact previous insurers to confirm the Customer's claims history.\n\n§ 39  Automatic renewal\n(1) Unless the Customer tells the Provider otherwise, this policy will renew automatically at the end of the policy period using the payment details the Provider holds.\n(2) The Customer can switch off automatic renewal at any time by contacting the Provider's helpline.\n\n§ 40  Renewal\n(1) The Provider will write to the Customer at least 21 days before the end of the policy period with the renewal terms.\n(2) The Provider is not obliged to offer renewal.\n\n§ 41  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 42  Waiver\n(1) If the Provider does not enforce any term of this policy, that does not mean the Provider has given up the right to enforce it later.\n\n§ 43  Interest\n(1) The Provider will not pay interest on any claim payment unless the law requires it.\n\n§ 44  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Provider may adjust the premium from the date of the change.\n\n§ 45  Communication\n(1) The Provider will communicate with the Customer in English.\n(2) The Provider may record telephone calls for training and quality purposes.\n\n§ 46  Market conditions\n(1) If the replacement item is no longer available, the Provider will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 47  Records and evidence\n(1) The Customer should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Provider may base any settlement on the price of a comparable item.\n(3) The Provider may ask for evidence of how and when an item was acquired.\n\n§ 48  Recovery of costs\n(1) If the Provider pays a claim that is later found not to be covered, the Provider may ask the Customer to repay the amount.\n\n§ 49  Premium payment\n(1) The Customer must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Provider may cancel the policy after giving notice.\n\n§ 50  Replacement devices\n(1) If the Provider cannot repair the Customer's device economically, the Provider will replace it with a replacement device.\n(2) Replacement devices may be a different colour and may be refurbished to an as-new standard.\n(3) Accessories are replaced only if they were lost or damaged in the same incident as the device.\n\n§ 51  Salvage\n(1) When the Provider replaces an item, the damaged or recovered item becomes the Provider's property.\n(2) If stolen property is recovered after the Provider has paid a claim, the Customer must tell the Provider and either return the payment or give the Provider the property.\n\n§ 52  Assignment\n(1) The Customer cannot transfer the Customer's interest in this policy to anyone else without the Provider's written consent.\n\n§ 53  Sanctions\n(1) The Provider will not provide cover or pay any claim to the extent that doing so would expose the Provider to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 54  Instalment agreements\n(1) If the Customer pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 55  Data protection\n(1) The Provider will use the personal information the Customer provides to administer this policy and to handle claims.\n(2) The Provider will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Customer can ask for a copy of the personal information the Provider holds by writing to the Provider's data protection officer.\n\n§ 56  Data and backups\n(1) The Provider is not responsible for recovering or restoring any data, software or settings stored on the Customer's device.\n(2) The Customer should back up the Customer's data regularly and before sending the device for repair.\n\n§ 57  Notices\n(1) Any notice the Provider gives under this policy will be sent to the most recent postal or email address the Provider holds.\n(2) Notices from the Customer should be sent to the address shown in the schedule.\n\n§ 58  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 59  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n=== CLAIM ===\nClaim summary: Idris Nakamura; policy K842716; policy start 21 March 2026; schedule covers Accidental Damage, Breakdown, Theft and Loss; extensions none. Section claimed: Accidental Damage, for a laptop. Incident date 28 January 2027; notified 24 February 2027; assessed loss $708. Facts: The laptop had previously been opened by an independent repair shop. The provider had approved that repair in writing before it was carried out. The retailer's receipt was uploaded with the claim. Idris bought the device from an authorised retailer.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_unauthorised_repair": "Decline under the unauthorised repairs exclusion (§ 4(5))", "pay_less_fee": "Pay the assessed loss less the service fee", "pay_sublimit": "Pay up to the Accessories sublimit (§ 4(2))", "deny_cosmetic_damage": "Decline under the cosmetic damage exclusion (§ 4(4))", "deny_late": "Decline: the claim was notified too late (§ 7(3))"}, "src": "hard_long_policy", "label": "deny_late"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$800", "b": "$629", "c": "$721", "d": "$0", "e": "$708"}, "src": "hard_long_policy", "label": "d"}}, "_meta": {"id": "hard-v1/long_policy/development/00016", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00016", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "device", "target": "deny_late", "category": "accidental_damage", "tempting": "unauthorised_repair", "facts": {"domain": "device", "fee_order": "before", "notice_days": 14, "categories": {"accidental_damage": {"limit": 800, "fee": 79, "waiting": 0, "purchased": true}, "breakdown": {"limit": 600, "fee": 25, "waiting": 45, "purchased": true}, "theft_loss": {"limit": 800, "fee": 149, "waiting": 0, "purchased": true}}, "classes": {"accessories": {"category": "accidental_damage", "cap": 50}, "wearables": {"category": "accidental_damage", "cap": 250}, "battery": {"category": "breakdown", "cap": 80}, "accessories_tl": {"category": "theft_loss", "cap": 50}}, "exclusions": [{"key": "cosmetic_damage", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unauthorised_repair", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "manufacturer_warranty", "categories": ["breakdown"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}, {"key": "liquid", "categories": ["breakdown"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unattended", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "no_police_report", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "accidental_damage", "item": "the laptop", "item_class": null, "loss_cents": 70800, "start": "2026-03-21", "incident": "2027-01-28", "reported": "2027-02-24", "conditions": {"unauthorised_repair": true}, "values": {}, "exceptions": {"unauthorised_repair": true}}, "options_q": {"outcome": {"deny_unauthorised_repair": "deny_unauthorised_repair", "pay_less_fee": "pay_less_fee", "pay_sublimit": "pay_sublimit", "deny_cosmetic_damage": "deny_cosmetic_damage", "deny_late": "deny_late"}, "amount": {"a": 80000, "b": 62900, "c": 72100, "d": 0, "e": 70800}}}, "text_sha256": "19e61f1d8671d4f4fcf66db538d0c61fbc41b5564d2c4142fd82688a8d053d52", "state_tokens": 4110}}
{"state": "MEMO\nRe: Complaint response deadline\n\nDriftwood Furniture must answer every formal complaint within 14 business days of receiving it. Business days are Monday to Friday, excluding the public holidays listed here; the day the complaint is received does not count. Public holidays this year: Remembrance Day (Tuesday 17 December 2024); Midsummer Holiday (Monday 20 January 2025); Company Day (Wednesday 29 January 2025); Heritage Day (Friday 28 February 2025).\n\nA complaint was received on Saturday 11 January 2025.", "questions": {"due": {"type": "choice", "instructions": "Compute the due date.", "criteria": {"a": "4 February 2025", "b": "31 January 2025", "c": "25 January 2025", "d": "3 February 2025", "e": "30 January 2025"}, "src": "hard_temporal_numeric", "label": "d"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00074", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00074", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "deadline", "facts": {"kind": "deadline", "received": "2025-01-11", "n": 14, "holidays": ["2024-12-17", "2025-01-20", "2025-01-29", "2025-02-28"], "options_q": {"due": {"a": "2025-02-04", "b": "2025-01-31", "c": "2025-01-25", "d": "2025-02-03", "e": "2025-01-30"}}}, "text_sha256": "8e0774be764099707d5164a71c15a8d6cf4a0453ab7e411fbabac6ddded752a7", "state_tokens": 132}}
{"state": "MEMO\nRe: Approval routing\n\nPurchase requests of this size must be approved by the nearest person above the requester in the reporting line whose title is Director or more senior. Seniority, from junior to senior: Analyst, Engineer, Manager, Senior Manager, Director, Vice President, Chief Executive. Mira reports to Colm. Tomas reports to Mira.\n\nPriya reports to Colm. Tariq reports to Tomas. Yusuf reports to Chloe.\n\nTess reports to Omar. Aiko is an Engineer. Chloe is a Senior Manager.\n\nYusuf is a Manager. Hana is a Chief Executive. Colm is a Vice President.\n\nTess is a Manager. Mira is a Director. Omar is a Senior Manager.\n\nPriya is a Director. Sofia is an Engineer. Tomas is a Manager.\n\nTariq is a Manager. Diego is an Engineer. Omar reports to Priya.\n\nChloe reports to Mira. Sofia reports to Tariq. Diego reports to Yusuf.\n\nAiko reports to Tess. Colm reports to Hana. Sofia has submitted a purchase request for $25,000.", "questions": {"approver": {"type": "choice", "instructions": "Which person has to approve the request?", "criteria": {"mira": null, "tariq": null, "hana": null, "tomas": null, "colm": null}, "src": "hard_multi_hop", "label": "mira"}}, "_meta": {"id": "hard-v1/multi_hop/development/00086", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00086", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "org", "rule": "title", "hops": 5, "facts": {"kind": "org", "reports": {"Colm": "Hana", "Priya": "Colm", "Mira": "Colm", "Omar": "Priya", "Tomas": "Mira", "Chloe": "Mira", "Tess": "Omar", "Tariq": "Tomas", "Yusuf": "Chloe", "Aiko": "Tess", "Sofia": "Tariq", "Diego": "Yusuf"}, "titles": {"Hana": "Chief Executive", "Colm": "Vice President", "Priya": "Director", "Mira": "Director", "Omar": "Senior Manager", "Tomas": "Manager", "Chloe": "Senior Manager", "Tess": "Manager", "Tariq": "Manager", "Yusuf": "Manager", "Aiko": "Engineer", "Sofia": "Engineer", "Diego": "Engineer"}, "requester": "Sofia", "rule": "title", "min_title": "Director", "options_q": {"approver": {"mira": "mira", "tariq": "tariq", "hana": "hana", "tomas": "tomas", "colm": "colm"}}}, "text_sha256": "8cdd538d32cb4d2fdb530608b43b835bc2a57461791b7c0ba613ed53fd80fd94", "state_tokens": 232}}
{"state": "MEMO\nRe: Group structure\n\nAn entity controls a company if it holds more than 50% of that company's shares, counting shares it holds directly and shares held by companies it controls. Aldermoor Holdings owns 36% of Lysander Group. Dunmore Ventures owns 76% of Ivel Holdings.\n\nIvel Holdings owns 38% of Lysander Group. Juno Capital owns 26% of Lysander Group. Kilnworth plc owns 24% of Ivel Holdings.", "questions": {"controller": {"type": "choice", "instructions": "Name the ultimate controller of Lysander Group.", "criteria": {"juno_capital": null, "aldermoor_holdings": null, "dunmore_ventures": null, "no_controller": "No entity controls it", "ivel_holdings": null}, "src": "hard_multi_hop", "label": "no_controller"}, "interest": {"type": "choice", "instructions": "What is Dunmore Ventures's effective economic interest in Lysander Group (its share of Lysander Group's profits through all holdings)?", "criteria": {"a": "74.0%", "b": "28.9%", "c": "76.0%", "d": "57.8%", "e": "38.0%"}, "src": "hard_multi_hop", "label": "b"}}, "_meta": {"id": "hard-v1/multi_hop/development/00078", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00078", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "ownership", "shape": "none", "facts": {"kind": "ownership", "stakes": {"Ivel Holdings": {"Dunmore Ventures": "76/100", "Kilnworth plc": "24/100"}, "Lysander Group": {"Ivel Holdings": "38/100", "Juno Capital": "26/100", "Aldermoor Holdings": "36/100"}}, "candidates": ["Dunmore Ventures", "Juno Capital", "Ivel Holdings", "Aldermoor Holdings"], "target": "Lysander Group", "top": "Dunmore Ventures", "options_q": {"controller": {"juno_capital": "juno_capital", "aldermoor_holdings": "aldermoor_holdings", "dunmore_ventures": "dunmore_ventures", "no_controller": "no_controller", "ivel_holdings": "ivel_holdings"}, "interest": {"a": 740, "b": 289, "c": 760, "d": 578, "e": 380}}}, "text_sha256": "f1656acb16f0449af5267e2b5150aa7e62872e8c495f3f533b6198067a667cef", "state_tokens": 112}}
{"state": "MEMO\nRe: Shift pay check\n\nA warehouse worker clocked in at 20:15 on May 5, 2027 and clocked out at 05:45 the next day. They took a 20-minute unpaid break. The hourly rate is $28.50.\n\nPaid time beyond 8 hours in a shift is paid at 1.5 times the hourly rate.", "questions": {"pay": {"type": "choice", "instructions": "Shift pay due:", "criteria": {"a": "$391.88", "b": "$277.88", "c": "$261.25", "d": "$292.13", "e": "$270.75"}, "src": "hard_temporal_numeric", "label": "b"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00063", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00063", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "shift", "overtime": true, "facts": {"kind": "shift", "start": "2027-05-05T20:15", "end": "2027-05-06T05:45", "break_min": 20, "rate_cents": 2850, "ot_after_h": 8, "options_q": {"pay": {"a": 39188, "b": 27788, "c": 26125, "d": 29213, "e": 27075}}}, "text_sha256": "6b37024248e8b2adccf15b3879c3a1cae04b9b4bdc66385f273f0fd000e3e81d", "state_tokens": 90}}
{"state": "MEMO\nRe: Quarterly breakdown\n\nCounts of store visitors last month by type and outcome: new: 175 converted, 139 did not convert. returning: 160 converted, 190 did not convert.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, Among new records, what share were converted?", "criteria": {"a": "50.5%", "b": "47.3%", "c": "52.2%", "d": "55.7%", "e": "26.4%"}, "src": "hard_probability", "label": "d"}}, "_meta": {"id": "hard-v1/probability/development/00003", "source": "hard_probability", "group_id": "hard-v1/probability/development/00003", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "table", "facts": {"kind": "table", "p": {}, "counts": {"new": {"converted": 175, "did not convert": 139}, "returning": {"converted": 160, "did not convert": 190}}, "row": "new", "col": "converted", "ask": "col_given_row", "options_q": {"value": {"a": 505, "b": 473, "c": 522, "d": 557, "e": 264}}}, "text_sha256": "de401d066204fada62f02dcf8e461baef94bc85d546a683f119ad11f4bb32f77", "state_tokens": 51}}
{"state": "SPEC SHEET: a marketing agency for the spring campaign\nWildfern Agency | fee=$9,500 | lead time=12 weeks | portfolio rating=7/10 | B2B campaign experience=no | in-house video production=yes\nTallgrass Media | fee=$23,500 | lead time=2 weeks | portfolio rating=10/10 | B2B campaign experience=yes | in-house video production=yes\nSignal & Co | fee=$10,000 | lead time=7 weeks | portfolio rating=3/10 | B2B campaign experience=yes | in-house video production=yes\nNorthlight Studio | fee=$14,000 | lead time=8 weeks | portfolio rating=4/10 | B2B campaign experience=no | in-house video production=yes\nPaper Kite | fee=$7,000 | lead time=2 weeks | portfolio rating=7/10 | B2B campaign experience=no | in-house video production=yes\nR1: its fee must be at most $9,500\nR2: it must offer in-house video production\nSelection: Among the options that meet every requirement, choose the one with the highest portfolio rating; if two or more are tied on portfolio rating, choose the one with the lowest lead time.", "questions": {"choice": {"type": "choice", "instructions": "Which agency best satisfies the brief?", "criteria": {"paper_kite": null, "northlight_studio": null, "signal_co": null, "tallgrass_media": null, "wildfern_agency": null}, "src": "hard_tradeoff", "label": "paper_kite"}, "meets": {"type": "noul", "instructions": "Is Signal & Co compliant with all the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00013", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00013", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "agency", "none_case": false, "facts": {"rule": "lex", "options": {"Wildfern Agency": {"cost": 9500, "lead": 12, "portfolio": 7, "b2b": false, "inhouse": true}, "Tallgrass Media": {"cost": 23500, "lead": 2, "portfolio": 10, "b2b": true, "inhouse": true}, "Signal & Co": {"cost": 10000, "lead": 7, "portfolio": 3, "b2b": true, "inhouse": true}, "Northlight Studio": {"cost": 14000, "lead": 8, "portfolio": 4, "b2b": false, "inhouse": true}, "Paper Kite": {"cost": 7000, "lead": 2, "portfolio": 7, "b2b": false, "inhouse": true}}, "constraints": [{"attr": "cost", "op": "<=", "value": 9500}, {"attr": "inhouse", "op": "is", "value": true}], "priority": [["portfolio", "higher"], ["lead", "lower"]], "weights": {}, "years": null, "check": "Signal & Co", "options_q": {"choice": {"paper_kite": "paper_kite", "northlight_studio": "northlight_studio", "signal_co": "signal_co", "tallgrass_media": "tallgrass_media", "wildfern_agency": "wildfern_agency"}}}, "text_sha256": "d49c04acf20c44520f0173bd52077115fe790e7dd0aad0eb650e1c4cf7f1f4ce", "state_tokens": 278}}
{"state": "MEMO\nRe: Alert from blob store\n\nPaging rule: an alert pages the owning team's primary on-call; if the primary is on leave that day, it pages the secondary; if the secondary is also on leave, it pages the team's engineering manager. Alerts from the blob store are owned by the Checkout team. Dmitri is on leave from July 11, 2027 to July 15, 2027 inclusive.\n\nFelix is on leave from July 12, 2027 to July 16, 2027 inclusive. Alerts from the iOS release train are owned by the Payments team. The Messaging engineering manager is Nia.\n\nThe Payments engineering manager is Jae. Alerts from the push gateway are owned by the Messaging team. This week's Checkout primary on-call is Sofia and the secondary is Diego.\n\nSofia is on leave from July 10, 2027 to July 18, 2027 inclusive. This week's Payments primary on-call is Felix and the secondary is Lotte. This week's Messaging primary on-call is Dmitri and the secondary is Aiko.\n\nDiego is on leave from July 17, 2027 to July 22, 2027 inclusive. The Checkout engineering manager is Chloe. Alerts from the cart service are owned by the Checkout team.\n\nOn July 15, 2027, an alert fired from the blob store.", "questions": {"paged": {"type": "choice", "instructions": "Who is the right person to page?", "criteria": {"chloe": null, "diego": null, "sofia": null, "dmitri": null}, "src": "hard_multi_hop", "label": "diego"}}, "_meta": {"id": "hard-v1/multi_hop/development/00048", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00048", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "oncall", "facts": {"kind": "oncall", "routes": {"blob store": "Checkout", "push gateway": "Messaging", "iOS release train": "Payments", "cart service": "Checkout"}, "primary": {"Checkout": "Sofia", "Messaging": "Dmitri", "Payments": "Felix"}, "secondary": {"Checkout": "Diego", "Messaging": "Aiko", "Payments": "Lotte"}, "manager": {"Checkout": "Chloe", "Messaging": "Nia", "Payments": "Jae"}, "leave": {"Sofia": [["2027-07-10", "2027-07-18"]], "Diego": [["2027-07-17", "2027-07-22"]], "Dmitri": [["2027-07-11", "2027-07-15"]], "Felix": [["2027-07-12", "2027-07-16"]]}, "component": "blob store", "date": "2027-07-15", "options_q": {"paged": {"chloe": "chloe", "diego": "diego", "sofia": "sofia", "dmitri": "dmitri"}}}, "text_sha256": "28da5112d271274179e195a347809e041df70fe6dd598903f5d1450672f6bd5b", "state_tokens": 315}}
{"state": "MEMO\nRe: Alert precision\n\nAn inspection camera flags units on the production line. Historically, one percent of units are defective. When one of the units is defective, the system flags it ninety-nine percent of the time.\n\nWhen one of the units is not defective, the system still flags it twenty percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that one of the units that the system has flagged is actually defective?", "criteria": {"a": "80.0%", "b": "99.0%", "c": "4.8%", "d": "79.0%", "e": "1.0%"}, "src": "hard_probability", "label": "c"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that one of the units that the system has flagged is defective?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 0}}, "_meta": {"id": "hard-v1/probability/development/00008", "source": "hard_probability", "group_id": "hard-v1/probability/development/00008", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "bayes", "facts": {"kind": "bayes", "p": {"base": "1/100", "sens": "99/100", "fpr": "20/100"}, "options_q": {"value": {"a": 800, "b": 990, "c": 48, "d": 790, "e": 10}}, "qid2": "bucket"}, "text_sha256": "a3156a485deb2f781eecab501bf05c5c5142da4b0d8c74d6de465cf9c8b521cf", "state_tokens": 68}}
{"state": "GROUP HEALTH CASH PLAN\nIssued by the Benefits Trust\nIn this policy, \"the Plan\" means the Benefits Trust and \"the Member\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Business day means Monday to Friday, excluding public holidays.\n(2) Dependant means the Member's spouse or partner, or a child under 21 who is enrolled in the plan.\n(3) Frames means spectacle frames bought without new lenses.\n(4) Hearing accessories means batteries, chargers and cleaning kits.\n(5) Hearing aid replacement period means 24 months from the purchase of hearing aids funded by the plan.\n(6) Incident means a single event, or a series of events arising from one cause.\n(7) Limit means the most the Plan will pay for all claims under a section arising from one treatment.\n(8) Major restorative work means crowns, bridges, root canal treatment and implants.\n(9) Massage therapy means sports massage, massage therapy and reflexology.\n(10) Network provider means a practitioner or clinic that has an agreement with the Plan to provide treatment.\n(11) Orthodontics means braces and clear aligners.\n(12) Policy period means twelve months from the policy start date shown in the Member's schedule.\n(13) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(14) Registered practitioner means a practitioner registered with the professional body for their discipline.\n(15) Replacement period means 24 months from the date of the Member's last eyewear claim.\n(16) Schedule means the document issued with this policy that shows the Member's details, the covers the Member bought and any extensions.\n(17) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n\n§ 2  Limits and deductible\n(1) Dental Care: limit $1,500 per treatment; deductible $100 per claim.\n(2) Vision Care: limit $500 per treatment; deductible $40 per claim.\n(3) Therapy Services: limit $1,500 per treatment; deductible $50 per claim.\n(4) Hearing Care: limit $1,000 per treatment; deductible $100 per claim.\n(5) The deductible is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Cancellation\n(1) The Member can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Member can cancel at any time; the Plan will refund the premium for the unexpired period less an administration charge of $25.\n(3) The Plan can cancel this policy by giving the Member 30 days' written notice to the last address the Plan holds.\n\n§ 4  Changes in circumstances\n(1) The Member must tell the Plan as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Plan may then change the premium or the terms of this policy, or cancel it.\n\n§ 5  Automatic renewal\n(1) Unless the Member tells the Plan otherwise, this policy will renew automatically at the end of the policy period using the payment details the Plan holds.\n(2) The Member can switch off automatic renewal at any time by contacting the Plan's helpline.\n\n§ 6  Subrogation\n(1) The Plan will be entitled to take over and conduct in the Member's name the defence or settlement of any claim.\n(2) The Plan can take action in the Member's name to recover any payment the Plan makes from anyone responsible for the loss.\n\n§ 7  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Plan will not pay the claim and all cover under this policy may be cancelled.\n(2) The Plan may share information with fraud prevention agencies and other insurers.\n\n§ 8  Premium payment\n(1) The Member must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 7 days of its due date, the Plan may cancel the policy after giving notice.\n\n§ 9  Dental Care\n(1) The Plan will reimburse the cost of dental treatment provided by a licensed dentist.\n(2) No cover applies under this section to any treatment that happens within the first 90 days after the policy start date.\n(3) The most the Plan will pay for Major restorative work under this section is $750 per treatment.\n(4) The most the Plan will pay for Orthodontics under this section is $600 per treatment.\n(5) The Plan will not pay for treatment that is mainly cosmetic, such as whitening or veneers. This exclusion does not apply to treatment needed to repair damage caused by an accident.\n(6) The Plan will not pay for treatment by a provider outside the plan's network. This exclusion does not apply to emergency treatment for sudden severe pain.\n\n§ 10  Vision Care\n(1) The Plan will reimburse eye tests and prescription eyewear.\n(2) The most the Plan will pay for Frames under this section is $120 per treatment.\n(3) The Plan will not pay for eyewear without prescription lenses.\n(4) The Plan will not pay for a further eyewear claim within the replacement period.\n\n§ 11  Change of address\n(1) The Member must tell the Plan within 30 days if the Member changes the Member's address.\n(2) The Plan may change the premium or the terms from the date of the move.\n\n§ 12  Claims documents\n(1) The Member must provide, at the Member's own expense, original receipts, invoices, reports and any other evidence the Plan reasonably ask for.\n(2) The Plan may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 13  Duty of fair presentation\n(1) The Member must answer all questions the Plan asks honestly and to the best of the Member's knowledge.\n(2) If the Member gives incorrect information deliberately or recklessly, the Plan may treat this policy as if it never existed and keep the premium.\n(3) If the Member gives incorrect information carelessly, the Plan may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 14  Market conditions\n(1) If the replacement item is no longer available, the Plan will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 15  Recovery of costs\n(1) If the Plan pays a claim that is later found not to be covered, the Plan may ask the Member to repay the amount.\n\n§ 16  Coordination of benefits\n(1) If a treatment is also covered by another plan, the Plan will pay only the part of the cost that the other plan does not pay.\n(2) The Member must tell the Plan about any other plan that covers the Member or the Member's dependants.\n\n§ 17  Payment of claims\n(1) The Plan will pay claims by bank transfer to an account in the Member's name.\n(2) The Plan aims to pay accepted claims within 5 working days of receiving all the documents the Plan needs.\n\n§ 18  Optional cover: Hearing Care\n(1) The Plan will reimburse hearing tests and hearing aids.\n(2) This section applies only if it is shown as purchased in the Member's schedule.\n(3) The most the Plan will pay for Hearing accessories under this section is $150 per treatment.\n(4) The Plan will not pay for replacement hearing aids bought within the hearing aid replacement period.\n\n§ 19  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Plan may charge the premium without the discount from that date.\n\n§ 20  Renewal\n(1) The Plan will write to the Member at least 21 days before the end of the policy period with the renewal terms.\n(2) The Plan is not obliged to offer renewal.\n\n§ 21  Arbitration\n(1) If the Plan accepts a claim but disagree with the Member about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Plan.\n\n§ 22  Salvage\n(1) When the Plan replaces an item, the damaged or recovered item becomes the Plan's property.\n(2) If stolen property is recovered after the Plan has paid a claim, the Member must tell the Plan and either return the payment or give the Plan the property.\n\n§ 23  Records and evidence\n(1) The Member should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Plan may base any settlement on the price of a comparable item.\n(3) The Plan may ask for evidence of how and when an item was acquired.\n\n§ 24  Inflation\n(1) The Plan may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Member's renewal documents; limits do not change during a policy period.\n\n§ 25  Therapy Services\n(1) The Plan will reimburse physiotherapy, osteopathy and counselling provided by a registered practitioner.\n(2) The most the Plan will pay for Massage therapy under this section is $300 per treatment.\n(3) The Plan will not pay for treatment of an injury covered by workers' compensation.\n(4) The Plan will not pay for treatment by a practitioner who is not registered with the relevant professional body.\n\n§ 26  Sanctions\n(1) The Plan will not provide cover or pay any claim to the extent that doing so would expose the Plan to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 27  Notices\n(1) Any notice the Plan gives under this policy will be sent to the most recent postal or email address the Plan holds.\n(2) Notices from the Member should be sent to the address shown in the schedule.\n\n§ 28  Wellness allowance\n(1) Each plan year the Member may claim up to $100 towards a gym membership or fitness class.\n(2) The wellness allowance is not subject to any deductible and does not count towards other limits.\n\n§ 29  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 30  Exchange of information\n(1) To prevent fraud, the Plan may check the details the Member gives against public records and industry databases.\n(2) The Plan may contact previous insurers to confirm the Member's claims history.\n\n§ 31  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Plan will pay only the Plan's proportionate share.\n(2) The Member must tell the Plan about any other insurance that covers the same loss when the Member makes a claim.\n\n§ 32  Data protection\n(1) The Plan will use the personal information the Member provides to administer this policy and to handle claims.\n(2) The Plan will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Member can ask for a copy of the personal information the Plan holds by writing to the Plan's data protection officer.\n\n§ 33  Reasonable precautions\n(1) The Member must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Member must take reasonable steps to recover lost or stolen property.\n\n§ 34  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 35  Interest\n(1) The Plan will not pay interest on any claim payment unless the law requires it.\n\n§ 36  General exclusions\n(1) The Plan will not pay for any deliberate or criminal act by the Member.\n(2) The Plan will not pay for loss or damage caused by war, invasion, or civil war.\n(3) The Plan will not pay for any fraudulent claim or any claim supported by false documents.\n\n§ 37  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 38  Electronic documents\n(1) The Plan will send documents by email unless the Member asks for paper copies.\n(2) The Member must tell the Plan if the Member's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 39  Environmental commitment\n(1) Where practical, the Plan will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Member may ask for a new part instead, and the Plan will tell the Member whether any additional cost would apply.\n\n§ 40  Complaints\n(1) If the Member has a complaint, the Member should first contact the Plan's customer relations team, quoting the policy number.\n(2) The Plan will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Member remains dissatisfied, the Member may be able to refer the complaint to an independent ombudsman service.\n\n§ 41  Dependants\n(1) The Member may enrol dependants at the start of each plan year or within 30 days of a qualifying life event.\n(2) Benefits paid for dependants count towards the same annual limits as the Member's own claims.\n\n§ 42  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Plan may adjust the premium from the date of the change.\n\n§ 43  Making a claim\n(1) The Plan may appoint a loss adjuster to investigate any claim.\n(2) The Member must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Member must notify the Plan of a claim within 30 days of the treatment. The Plan will not pay any claim notified after that time.\n\n§ 44  Compensation scheme\n(1) The Plan is covered by a financial services compensation scheme.\n(2) If the Plan cannot meet the Plan's obligations, the Member may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 45  Assignment\n(1) The Member cannot transfer the Member's interest in this policy to anyone else without the Plan's written consent.\n\n§ 46  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 47  Cooperation\n(1) The Member must give the Plan all the help and information the Plan reasonably need to settle a claim.\n(2) The Member must not admit liability or offer to settle any claim without the Plan's written permission.\n\n=== CLAIM ===\nClaim summary: Ashok Nguyen; policy K137081; policy start 1 June 2026; schedule covers Dental Care, Vision Care, Therapy Services, Hearing Care; extensions none. Section claimed: Therapy Services, for a course of sports massage sessions. Treatment date 9 January 2027; notified 11 February 2027; assessed loss $409. Facts: Ashok's doctor referred Ashok for the sessions in writing. Ashok joined the company's finance team two years ago. Ashok's spouse is also enrolled in the plan.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_sublimit": "Pay up to the Massage therapy sublimit (§ 25(2))", "pay_less_fee": "Pay the assessed loss less the deductible", "deny_late": "Decline: the claim was notified too late (§ 43(3))", "pay_limit": "Pay up to the Therapy Services limit", "deny_waiting": "Decline: the treatment happened during the waiting period (§ 9(2))"}, "src": "hard_long_policy", "label": "deny_late"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$0", "b": "$409", "c": "$300", "d": "$1,450", "e": "$250"}, "src": "hard_long_policy", "label": "a"}}, "_meta": {"id": "hard-v1/long_policy/development/00068", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00068", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "benefits", "target": "deny_late", "category": "therapy", "tempting": null, "facts": {"domain": "benefits", "fee_order": "before", "notice_days": 30, "categories": {"dental": {"limit": 1500, "fee": 100, "waiting": 90, "purchased": true}, "vision": {"limit": 500, "fee": 40, "waiting": 0, "purchased": true}, "therapy": {"limit": 1500, "fee": 50, "waiting": 0, "purchased": true}, "hearing": {"limit": 1000, "fee": 100, "waiting": 0, "purchased": true}}, "classes": {"major": {"category": "dental", "cap": 750}, "ortho": {"category": "dental", "cap": 600}, "frames": {"category": "vision", "cap": 120}, "massage": {"category": "therapy", "cap": 300}, "accessories": {"category": "hearing", "cap": 150}}, "exclusions": [{"key": "cosmetic", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "out_of_network", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "non_prescription", "categories": ["vision"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "frequency", "categories": ["vision"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}, {"key": "work_injury", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unregistered", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "replacement", "categories": ["hearing"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}], "case": {"category": "therapy", "item": "the sports massage", "item_class": "massage", "loss_cents": 40900, "start": "2026-06-01", "incident": "2027-01-09", "reported": "2027-02-11", "conditions": {}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"pay_sublimit": "pay_sublimit", "pay_less_fee": "pay_less_fee", "deny_late": "deny_late", "pay_limit": "pay_limit", "deny_waiting": "deny_waiting"}, "amount": {"a": 0, "b": 40900, "c": 30000, "d": 145000, "e": 25000}}}, "text_sha256": "ca97cbaf37f81caaee737db92bb2c466abb683784ac09f9b5b01674de1386f7b", "state_tokens": 3533}}
{"state": "MEMO\nRe: Alert precision\n\nA churn model marks customers as at risk. Historically, fifteen percent of customers are going to cancel within 90 days. When one of the customers is going to cancel within 90 days, the system marks it ninety-eight percent of the time.\n\nWhen one of the customers is not going to cancel within 90 days, the system still marks it three percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that one of the customers that the system has marked is actually going to cancel within 90 days?", "criteria": {"a": "98.0%", "b": "97.0%", "c": "15.0%", "d": "85.2%", "e": "14.7%"}, "src": "hard_probability", "label": "d"}, "more_likely": {"type": "noul", "instructions": "Per the figures given, Is one of the customers that the system has marked more likely than not to be going to cancel within 90 days?", "src": "hard_probability", "label": true}}, "_meta": {"id": "hard-v1/probability/development/00066", "source": "hard_probability", "group_id": "hard-v1/probability/development/00066", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "bayes", "facts": {"kind": "bayes", "p": {"base": "15/100", "sens": "98/100", "fpr": "3/100"}, "options_q": {"value": {"a": 980, "b": 970, "c": 150, "d": 852, "e": 147}}, "qid2": "more_likely"}, "text_sha256": "da3256b0026b20f76d9d92ede0b4862d318e969e5b8aa0e5d7bad75d86c6c663", "state_tokens": 88}}
{"state": "MEMO\nRe: Outage: search-indexer\n\nOutages propagate along hard dependencies: if a service goes down, every service that depends on it, directly or through other hard dependencies, is affected. Soft dependencies do not propagate outages. ledger-service depends on cdn-edge. order-queue depends on cdn-edge.\n\ncheckout-web depends on search-indexer. payments-gateway depends on checkout-web. auth-service depends on ledger-service.\n\nsearch-indexer depends on catalog-api. search-indexer is currently down.", "questions": {"affected": {"type": "choice", "instructions": "Which of these will the outage reach?", "criteria": {"catalog_api": null, "order_queue": null, "ledger_service": null, "none_affected": "None of these services is affected"}, "src": "hard_multi_hop", "label": "none_affected"}}, "_meta": {"id": "hard-v1/multi_hop/development/00029", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00029", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "deps", "hops": 2, "soft": false, "facts": {"kind": "deps", "edges": [["checkout-web", "search-indexer", false], ["payments-gateway", "checkout-web", false], ["search-indexer", "catalog-api", false], ["ledger-service", "cdn-edge", false], ["order-queue", "cdn-edge", false], ["auth-service", "ledger-service", false]], "down": "search-indexer", "candidates": ["catalog-api", "order-queue", "ledger-service"], "options_q": {"affected": {"catalog_api": "catalog_api", "order_queue": "order_queue", "ledger_service": "ledger_service", "none_affected": "none_affected"}}}, "text_sha256": "7581a75e02c4ac4d940e259ddf47758745a7d87ad5b93c4b7ebfac0a6b8985e4", "state_tokens": 107}}
{"state": "REVIEW REQUEST\nItem: Convert -5 degrees Celsius to degrees Fahrenheit (F = C x 9/5 + 32). Give the answer to one decimal place.\nSubmitted result: Pretty sure it's 230.0 degrees Fahrenheit", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "48.6 degrees Fahrenheit", "b": "230.0 degrees Fahrenheit", "c": "29.2 degrees Fahrenheit", "d": "23.0 degrees Fahrenheit", "e": "-9.0 degrees Fahrenheit"}, "src": "hard_judge", "label": "d"}}, "_meta": {"id": "hard-v1/judge/development/00047", "source": "hard_judge", "group_id": "hard-v1/judge/development/00047", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "convert", "error": "decimal_slip", "facts": {"kind": "convert", "args": {"x": "-5", "factor": "9/5", "offset": 32}, "dp": 1, "proposed": 2300, "error": "decimal_slip", "options_q": {"value": {"a": 486, "b": 2300, "c": 292, "d": 230, "e": -90}}}, "text_sha256": "6d52d0dc8f4ec136df428bf8fe792239652f3402374f63452d398e47081e4bea", "state_tokens": 52}}
{"state": "MEMO\nRe: Recurring schedule\n\nRent is collected on day 20 of each month; if that day falls on a Saturday or Sunday, it is collected on the Friday before. January 1, 2027 is a Friday. Question concerns the collection in January 2027.", "questions": {"date": {"type": "choice", "instructions": "Date of the requested occurrence:", "criteria": {"a": "25 January 2027", "b": "19 January 2027", "c": "20 January 2027", "d": "21 January 2027", "e": "17 January 2027"}, "src": "hard_temporal_numeric", "label": "c"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00087", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00087", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "recurring_monthly_rollback", "facts": {"kind": "recurring", "pattern": "monthly_rollback", "year": 2027, "month": 1, "dom": 20, "options_q": {"date": {"a": "2027-01-25", "b": "2027-01-19", "c": "2027-01-20", "d": "2027-01-21", "e": "2027-01-17"}}}, "text_sha256": "5b5e3c8f834baca2a59557a1b55b90e89f03dc20394f7085f04b7941860214d9", "state_tokens": 64}}
{"state": "MEMO\nRe: Comparing odds\n\nThere is a forty-five percent chance that the candidate accepts the offer. There is a twenty percent chance that the supplier delivers on time; these two are independent. There is a seven percent chance that the server patch installs without errors.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which is more likely?", "criteria": {"equally_likely": "They are equally likely", "second_event": "That the server patch installs without errors", "first_event": "Both of these happen: the candidate accepts the offer, and the supplier delivers on time"}, "src": "hard_probability", "label": "first_event"}}, "_meta": {"id": "hard-v1/probability/development/00012", "source": "hard_probability", "group_id": "hard-v1/probability/development/00012", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "compare", "facts": {"kind": "compare", "p": {}, "a": {"op": "and", "p1": "45/100", "p2": "20/100"}, "b": "7/100", "options_q": {"choice": {"equally_likely": "equally_likely", "second_event": "second_event", "first_event": "first_event"}}}, "text_sha256": "0757bca6d4db1b7ded9171ee6c1bf15df0cbca0f96877c02975a3bc7cd72c1bd", "state_tokens": 55}}
{"state": "HOUSEHOLD CONTENTS COVER: POLICY BOOKLET\nIssued by Lantern General Insurance\nIn this policy, \"the Insurer\" means Lantern General Insurance and \"the Policyholder\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Art and antiques means paintings, antiques, rugs and other works of art.\n(2) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(3) Bicycles means bicycles and electric scooters.\n(4) Contents means household goods and personal possessions that belong to the Policyholder or the Policyholder's family.\n(5) Family means the Policyholder's spouse or partner and any children who live with the Policyholder.\n(6) Garden items means garden furniture, plants and outdoor tools.\n(7) High-risk items means jewellery, watches, laptops, games consoles and cameras.\n(8) Limit means the most the Insurer will pay for all claims under a section arising from one incident.\n(9) Portable electronics means laptops, tablets and mobile phones.\n(10) Premium means the amount the Policyholder must pay for this policy, including any taxes.\n(11) Schedule means the document issued with this policy that shows the Policyholder's details, the covers the Policyholder bought and any extensions.\n(12) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(13) Unoccupied means not lived in by the Policyholder or a member of the Policyholder's family for more than 45 consecutive days.\n\n§ 2  Limits and excess\n(1) Theft: limit $10,000 per incident; excess $250 per claim.\n(2) Escape of Water: limit $30,000 per incident; excess $500 per claim.\n(3) Accidental Damage: limit $5,000 per incident; excess $50 per claim.\n(4) Flood: limit $40,000 per incident; excess $1,000 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the excess is then deducted from the result.\n\n§ 3  Theft\n(1) The Insurer will pay for contents stolen from the Policyholder's home.\n(2) The most the Insurer will pay for High-risk items under this section is $1,500 per incident.\n(3) The most the Insurer will pay for Bicycles under this section is $500 per incident.\n(4) The Insurer will not pay for theft while the home is unoccupied.\n(5) The Insurer will not pay for theft where there is no sign of forced entry to the home. This exclusion does not apply where the thief gained entry by deception, for example by posing as a utility worker.\n(6) The Insurer will not pay for theft from sheds, garages or other outbuildings. This exclusion does not apply if the outbuilding was locked and the theft involved forcible entry.\n\n§ 4  Inflation\n(1) The Insurer may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Policyholder's renewal documents; limits do not change during a policy period.\n\n§ 5  Records and evidence\n(1) The Policyholder should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 6  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 7  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Insurer will pay only the Insurer's proportionate share.\n(2) The Policyholder must tell the Insurer about any other insurance that covers the same loss when the Policyholder makes a claim.\n\n§ 8  Cancellation\n(1) The Policyholder can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Policyholder can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $15.\n(3) The Insurer can cancel this policy by giving the Policyholder 30 days' written notice to the last address the Insurer holds.\n\n§ 9  Escape of Water\n(1) The Insurer will pay for contents damaged by water escaping from a fixed pipe, tank or domestic appliance.\n(2) The most the Insurer will pay for Art and antiques under this section is $2,000 per incident.\n(3) The Insurer will not pay for damage caused by water leaking gradually over a period of time.\n(4) The Insurer will not pay for damage caused by the failure of grout or sealant around baths and showers.\n\n§ 10  Optional cover: Accidental Damage\n(1) The Insurer will pay for sudden and unexpected accidental damage to the Policyholder's contents inside the home.\n(2) This section applies only if it is shown as purchased in the Policyholder's schedule.\n(3) The most the Insurer will pay for Portable electronics under this section is $500 per incident.\n(4) The Insurer will not pay for damage caused by pets.\n(5) The Insurer will not pay for wear and tear, or damage that happens gradually.\n\n§ 11  Locks and keys\n(1) If the keys to the Policyholder's home are lost or stolen, the Insurer will pay the cost of replacing the locks to the outside doors.\n(2) The most the Insurer will pay under this clause is $300 for any one claim.\n\n§ 12  Flood\n(1) The Insurer will pay for contents damaged by flood water entering the Policyholder's home.\n(2) No cover applies under this section to any incident that happens within the first 60 days after the policy start date.\n(3) The most the Insurer will pay for Garden items under this section is $1,000 per incident.\n(4) The Insurer will not pay for flood damage where a flood warning for the Policyholder's area had been issued before the policy started.\n\n§ 13  General exclusions\n(1) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n(2) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(3) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n\n§ 14  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 15  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 16  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 17  Making a claim\n(1) The Policyholder must notify the Insurer of a claim within 90 days of the incident. The Insurer will not pay any claim notified after that time.\n(2) The Insurer may appoint a loss adjuster to investigate any claim.\n(3) The Policyholder must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 18  Waiver\n(1) If the Insurer does not enforce any term of this policy, that does not mean the Insurer has given up the right to enforce it later.\n\n§ 19  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Policyholder to repay the amount.\n\n§ 20  Third-party administrators\n(1) The Insurer may appoint another company to handle claims or other services on the Insurer's behalf.\n(2) Any company the Insurer appoints must follow the terms of this policy and applicable data protection law.\n\n§ 21  Cooperation\n(1) The Policyholder must give the Insurer all the help and information the Insurer reasonably need to settle a claim.\n(2) The Policyholder must not admit liability or offer to settle any claim without the Insurer's written permission.\n\n§ 22  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 23  Compensation scheme\n(1) The Insurer is covered by a financial services compensation scheme.\n(2) If the Insurer cannot meet the Insurer's obligations, the Policyholder may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 24  Electronic documents\n(1) The Insurer will send documents by email unless the Policyholder asks for paper copies.\n(2) The Policyholder must tell the Insurer if the Policyholder's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n=== CLAIM ===\nClaim summary: Kenji Sato; policy B343336; policy start 4 January 2026; schedule covers Theft, Escape of Water, Flood; extensions none. Section claimed: Escape of Water, for flooring and furniture. Incident date 10 July 2026; notified 5 October 2026; assessed loss $23,074. Facts: A pipe under the kitchen sink burst suddenly during a cold night and soaked the flooring and furniture. A neighbour reported the incident to the building manager. The building is a converted warehouse with six flats.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_sublimit": "Pay up to the Art and antiques sublimit (§ 9(2))", "pay_less_fee": "Pay the assessed loss less the excess", "pay_limit": "Pay up to the Escape of Water limit", "deny_gradual": "Decline under the gradual leaks exclusion (§ 9(3))", "deny_sealant": "Decline under the failed sealant exclusion (§ 9(4))"}, "src": "hard_long_policy", "label": "pay_less_fee"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$22,574", "b": "$30,000", "c": "$23,074", "d": "$1,500", "e": "$29,500"}, "src": "hard_long_policy", "label": "a"}}, "_meta": {"id": "hard-v1/long_policy/development/00041", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00041", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "home", "target": "pay_less_fee", "category": "water", "tempting": null, "facts": {"domain": "home", "fee_order": "after", "notice_days": 90, "categories": {"theft": {"limit": 10000, "fee": 250, "waiting": 0, "purchased": true}, "water": {"limit": 30000, "fee": 500, "waiting": 0, "purchased": true}, "accidental": {"limit": 5000, "fee": 50, "waiting": 0, "purchased": false}, "flood": {"limit": 40000, "fee": 1000, "waiting": 60, "purchased": true}}, "classes": {"high_risk": {"category": "theft", "cap": 1500}, "bicycles": {"category": "theft", "cap": 500}, "art": {"category": "water", "cap": 2000}, "portable": {"category": "accidental", "cap": 500}, "garden": {"category": "flood", "cap": 1000}}, "exclusions": [{"key": "unoccupied", "categories": ["theft"], "kind": "threshold", "thr": 45, "cmp": "gt", "has_exception": false}, {"key": "no_forced_entry", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "outbuilding", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "gradual", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "sealant", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pets", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear_home", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "flood_warning", "categories": ["flood"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "water", "item": "the flooring and furniture", "item_class": null, "loss_cents": 2307400, "start": "2026-01-04", "incident": "2026-07-10", "reported": "2026-10-05", "conditions": {}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"pay_sublimit": "pay_sublimit", "pay_less_fee": "pay_less_fee", "pay_limit": "pay_limit", "deny_gradual": "deny_gradual", "deny_sealant": "deny_sealant"}, "amount": {"a": 2257400, "b": 3000000, "c": 2307400, "d": 150000, "e": 2950000}}}, "text_sha256": "216615016733cf161bad293ae1b3705ca9a6625d0de246518f47b4d2a344a214", "state_tokens": 2277}}
{"state": "REVIEW REQUEST\nItem: Monthly active users went from 551 to 469. What is the percentage change, to one decimal place (negative for a decrease)?\nSubmitted result: Final answer: 14.9%", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "85.1%", "b": "-14.9%", "c": "-17.5%", "d": "14.9%", "e": "-82.0%"}, "src": "hard_judge", "label": "b"}}, "_meta": {"id": "hard-v1/judge/development/00099", "source": "hard_judge", "group_id": "hard-v1/judge/development/00099", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "pct_change", "error": "sign_flip", "facts": {"kind": "pct_change", "args": {"old": 551, "new": 469}, "dp": 1, "proposed": 149, "error": "sign_flip", "options_q": {"value": {"a": 851, "b": -149, "c": -175, "d": 149, "e": -820}}}, "text_sha256": "52e0a058a8e4f0e05b682a3980d4038c4d5ccce0f41a26ab621fd78a6fabd06b", "state_tokens": 50}}
{"state": "MEMO\nRe: Approval routing\n\nPurchase requests of this size must be approved by the requester's manager's manager (the skip-level manager). Lotte reports to Mateo. Kofi reports to Ayla.\n\nRavi reports to Lotte. Ayla reports to Greta. Tess reports to Ayla.\n\nAshok reports to Colm. Jonas is a Director. Hugo is a Vice President.\n\nGreta is a Director. Colm is a Chief Executive. Lotte is a Manager.\n\nFelix is an Engineer. Ravi is an Engineer. Mateo is a Senior Manager.\n\nSana is a Senior Manager. Owen is a Manager. Kofi is a Manager.\n\nAyla is a Director. Ashok is a Vice President. Tess is a Manager.\n\nGreta reports to Ashok. Owen reports to Sana. Felix reports to Kofi.\n\nHugo reports to Colm. Mateo reports to Greta. Sana reports to Jonas.\n\nJonas reports to Hugo. Tess has submitted a purchase request for $17,750.", "questions": {"approver": {"type": "choice", "instructions": "Which person has to approve the request?", "criteria": {"ayla": null, "ashok": null, "colm": null, "greta": null, "sana": null}, "src": "hard_multi_hop", "label": "greta"}}, "_meta": {"id": "hard-v1/multi_hop/development/00047", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00047", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "org", "rule": "skip", "hops": 4, "facts": {"kind": "org", "reports": {"Ashok": "Colm", "Hugo": "Colm", "Greta": "Ashok", "Jonas": "Hugo", "Mateo": "Greta", "Ayla": "Greta", "Sana": "Jonas", "Lotte": "Mateo", "Kofi": "Ayla", "Tess": "Ayla", "Owen": "Sana", "Ravi": "Lotte", "Felix": "Kofi"}, "titles": {"Colm": "Chief Executive", "Ashok": "Vice President", "Hugo": "Vice President", "Greta": "Director", "Jonas": "Director", "Mateo": "Senior Manager", "Ayla": "Director", "Sana": "Senior Manager", "Lotte": "Manager", "Kofi": "Manager", "Tess": "Manager", "Owen": "Manager", "Ravi": "Engineer", "Felix": "Engineer"}, "requester": "Tess", "rule": "skip", "min_title": "Senior Manager", "options_q": {"approver": {"ayla": "ayla", "ashok": "ashok", "colm": "colm", "greta": "greta", "sana": "sana"}}}, "text_sha256": "7e3003b8f4139e4a2010114458825352161ddb518258d2b5e160eac30dd69618", "state_tokens": 224}}
{"state": "MEMO\nRe: Comparing odds\n\nThere is a eighty percent chance that the server patch installs without errors. There is a forty percent chance that a new customer renews after the trial; these two are independent. There is a eighty-eight percent chance that the candidate accepts the offer.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which is more likely?", "criteria": {"first_event": "At least one of these happens: the server patch installs without errors, or a new customer renews after the trial", "equally_likely": "They are equally likely", "second_event": "That the candidate accepts the offer"}, "src": "hard_probability", "label": "equally_likely"}}, "_meta": {"id": "hard-v1/probability/development/00087", "source": "hard_probability", "group_id": "hard-v1/probability/development/00087", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "compare", "facts": {"kind": "compare", "p": {}, "a": {"op": "or", "p1": "80/100", "p2": "40/100"}, "b": "22/25", "options_q": {"choice": {"first_event": "first_event", "equally_likely": "equally_likely", "second_event": "second_event"}}}, "text_sha256": "25e9946774e6cd3593ba6e2ab73bfea1c4e5da529f9bf444fe00e3bbef9d4afa", "state_tokens": 58}}
{"state": "MEMO\nRe: Recurring schedule\n\nThe payroll run happens every three weeks on the same weekday. The first run of the year was on Saturday 25 April 2026. Question concerns the 6th run of the year, counting the first run as run 1.", "questions": {"date": {"type": "choice", "instructions": "Date of the requested occurrence:", "criteria": {"a": "30 May 2026", "b": "8 August 2026", "c": "29 August 2026", "d": "9 August 2026", "e": "18 July 2026"}, "src": "hard_temporal_numeric", "label": "b"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00001", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00001", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "recurring_every_n_weeks", "facts": {"kind": "recurring", "pattern": "every_n_weeks", "first": "2026-04-25", "n": 3, "k": 6, "options_q": {"date": {"a": "2026-05-30", "b": "2026-08-08", "c": "2026-08-29", "d": "2026-08-09", "e": "2026-07-18"}}}, "text_sha256": "f6b9e9c87990ca4ddfd9de9773003b1d269a2c29f4284d47685798a9436a015a", "state_tokens": 60}}
{"state": "MEMO\nRe: Alert precision\n\nA churn model marks customers as at risk. Historically, fifteen percent of customers are going to cancel within 90 days. When one of the customers is going to cancel within 90 days, the system marks it ninety percent of the time.\n\nWhen one of the customers is not going to cancel within 90 days, the system still marks it twenty percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that one of the customers that the system has marked is actually going to cancel within 90 days?", "criteria": {"a": "80.0%", "b": "15.0%", "c": "13.5%", "d": "90.0%", "e": "44.3%"}, "src": "hard_probability", "label": "e"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that one of the customers that the system has marked is going to cancel within 90 days?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 2}}, "_meta": {"id": "hard-v1/probability/development/00001", "source": "hard_probability", "group_id": "hard-v1/probability/development/00001", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "bayes", "facts": {"kind": "bayes", "p": {"base": "15/100", "sens": "90/100", "fpr": "20/100"}, "options_q": {"value": {"a": 800, "b": 150, "c": 135, "d": 900, "e": 443}}, "qid2": "bucket"}, "text_sha256": "14aeff3480a113c562a2ca211343871f40443a5c6c5a2a68a69b3b7f5f007dfc", "state_tokens": 87}}
{"state": "MEMO\nRe: Project funding decision\n\nThe planning team must fund exactly one of 3 projects and wants the highest expected net value (expected payoff minus up-front cost). Project Atlas costs $40,000 up front and has a twenty-five percent chance of a gain of $450,000; a seventy-five percent chance of a gain of $260,000. Project Beacon costs $110,000 up front and has a ten percent chance of a gain of $390,000; a ninety percent chance of a gain of $340,000.\n\nProject Ember costs $130,000 up front and has a twenty-five percent chance of a gain of $670,000; a twenty percent chance of a gain of $510,000; a fifty-five percent chance of a gain of $170,000.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which project has the highest expected net value?", "criteria": {"project_beacon": null, "project_ember": null, "project_atlas": null}, "src": "hard_probability", "label": "project_atlas"}, "value": {"type": "choice", "instructions": "Per the figures given, What is the expected net value of Project Ember?", "criteria": {"a": "$320,000", "b": "$103,000", "c": "$363,000", "d": "$233,000", "e": "$540,000"}, "src": "hard_probability", "label": "d"}}, "_meta": {"id": "hard-v1/probability/development/00072", "source": "hard_probability", "group_id": "hard-v1/probability/development/00072", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "ev", "facts": {"kind": "ev", "p": {}, "projects": {"Project Atlas": {"outcomes": [["25/100", 450000], ["75/100", 260000]], "cost": 40000}, "Project Beacon": {"outcomes": [["10/100", 390000], ["90/100", 340000]], "cost": 110000}, "Project Ember": {"outcomes": [["25/100", 670000], ["20/100", 510000], ["55/100", 170000]], "cost": 130000}}, "asked": "Project Ember", "options_q": {"choice": {"project_beacon": "project_beacon", "project_ember": "project_ember", "project_atlas": "project_atlas"}, "value": {"a": 320000, "b": 103000, "c": 363000, "d": 233000, "e": 540000}}}, "text_sha256": "de1e8e22eee9fd7f4ee7b63465eba19b893ae0e64c6d2a998b73f6068841a100", "state_tokens": 203}}
{"state": "MEMO\nRe: Complaint response deadline\n\nNorthwind Logistics must answer every formal complaint within 6 business days of receiving it. Business days are Monday to Friday, excluding the public holidays listed here; the day the complaint is received does not count. Public holidays this year: Founders' Day (Monday 25 August 2025); Civic Day (Monday 22 September 2025); Midsummer Holiday (Friday 7 November 2025).\n\nA complaint was received on Saturday 20 September 2025.", "questions": {"due": {"type": "choice", "instructions": "Compute the due date.", "criteria": {"a": "26 September 2025", "b": "1 October 2025", "c": "29 September 2025", "d": "30 September 2025"}, "src": "hard_temporal_numeric", "label": "d"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00062", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00062", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "deadline", "facts": {"kind": "deadline", "received": "2025-09-20", "n": 6, "holidays": ["2025-08-25", "2025-09-22", "2025-11-07"], "options_q": {"due": {"a": "2025-09-26", "b": "2025-10-01", "c": "2025-09-29", "d": "2025-09-30"}}}, "text_sha256": "29ae53425e86cecabc217e09bbd80496acaccdc141ac76f5416dd769d95ad342", "state_tokens": 116}}
{"state": "MEMO\nRe: Outage: reporting-etl\n\nOutages propagate along hard dependencies: if a service goes down, every service that depends on it, directly or through other hard dependencies, is affected. Soft dependencies do not propagate outages. checkout-web depends on reporting-etl. cdn-edge depends on catalog-api.\n\norder-queue depends on checkout-web. reporting-etl depends on payments-gateway. user-profile depends on checkout-web (soft dependency: it degrades gracefully and keeps working if checkout-web is down).\n\nsession-cache depends on cdn-edge. fraud-scorer depends on payments-gateway. reporting-etl is currently down.", "questions": {"affected": {"type": "choice", "instructions": "Which of these will the outage reach?", "criteria": {"order_queue": null, "user_profile": null, "payments_gateway": null, "fraud_scorer": null}, "src": "hard_multi_hop", "label": "order_queue"}}, "_meta": {"id": "hard-v1/multi_hop/development/00075", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00075", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "deps", "hops": 2, "soft": true, "facts": {"kind": "deps", "edges": [["checkout-web", "reporting-etl", false], ["order-queue", "checkout-web", false], ["reporting-etl", "payments-gateway", false], ["cdn-edge", "catalog-api", false], ["fraud-scorer", "payments-gateway", false], ["user-profile", "checkout-web", true], ["session-cache", "cdn-edge", false]], "down": "reporting-etl", "candidates": ["order-queue", "payments-gateway", "fraud-scorer", "user-profile"], "options_q": {"affected": {"order_queue": "order_queue", "user_profile": "user_profile", "payments_gateway": "payments_gateway", "fraud_scorer": "fraud_scorer"}}}, "text_sha256": "6f3a3caaa4ba55ffaac36492d0c8699fd6c6a1bce4d69b53b903570f35b30a0f", "state_tokens": 133}}
{"state": "GADGET COVER: TERMS AND CONDITIONS\nIssued by Tessera Warranty Company\nIn this policy, \"the Provider\" means Tessera Warranty Company and \"the Customer\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Accessories means cases, chargers, earbuds and styluses.\n(2) Accessories means cases, chargers and earbuds.\n(3) Limit means the most the Provider will pay for all claims under a section arising from one incident.\n(4) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(5) Wearables means smartwatches and fitness trackers.\n\n§ 2  Limits and service fee\n(1) Accidental Damage: limit $1,500 per incident; service fee $49 per claim.\n(2) Breakdown: limit $1,500 per incident; service fee $25 per claim.\n(3) Theft and Loss: limit $800 per incident; service fee $99 per claim.\n(4) The service fee is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Accidental Damage\n(1) The Provider will repair or replace the Customer's device if it is accidentally damaged.\n(2) The most the Provider will pay for Accessories under this section is $50 per incident.\n(3) The most the Provider will pay for Wearables under this section is $300 per incident.\n(4) The Provider will not pay for cosmetic damage, such as scratches or dents, that does not affect how the device works.\n(5) The Provider will not pay for damage following a repair by anyone other than the Provider or an authorised repairer. This exclusion does not apply if the Provider approved the repair in writing beforehand.\n\n§ 4  Optional cover: Theft and Loss\n(1) The Provider will replace the Customer's device if it is stolen or lost.\n(2) This section applies only if it is shown as purchased in the Customer's schedule.\n(3) The most the Provider will pay for Accessories under this section is $100 per incident.\n(4) The Provider will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Provider will not pay for theft that was not reported to the police.\n\n§ 5  General exclusions\n(1) The Provider will not pay for any fraudulent claim or any claim supported by false documents.\n(2) The Provider will not pay for loss or damage caused by war, invasion, or civil war.\n\n§ 6  Making a claim\n(1) The Customer must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Customer must notify the Provider of a claim within 21 days of the incident. The Provider will not pay any claim notified after that time.\n(3) The Provider may appoint a loss adjuster to investigate any claim.\n\n§ 7  Replacement devices\n(1) If the Provider cannot repair the Customer's device economically, the Provider will replace it with a replacement device.\n(2) Replacement devices may be a different colour and may be refurbished to an as-new standard.\n(3) Accessories are replaced only if they were lost or damaged in the same incident as the device.\n\n§ 8  Third-party administrators\n(1) The Provider may appoint another company to handle claims or other services on the Provider's behalf.\n(2) Any company the Provider appoints must follow the terms of this policy and applicable data protection law.\n\n§ 9  Electronic documents\n(1) The Provider will send documents by email unless the Customer asks for paper copies.\n(2) The Customer must tell the Provider if the Customer's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 10  Data and backups\n(1) The Provider is not responsible for recovering or restoring any data, software or settings stored on the Customer's device.\n(2) The Customer should back up the Customer's data regularly and before sending the device for repair.\n\n§ 11  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 12  Reasonable precautions\n(1) The Customer must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Customer must take reasonable steps to recover lost or stolen property.\n\n§ 13  Compensation scheme\n(1) The Provider is covered by a financial services compensation scheme.\n(2) If the Provider cannot meet the Provider's obligations, the Customer may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 14  Sanctions\n(1) The Provider will not provide cover or pay any claim to the extent that doing so would expose the Provider to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 15  Changes in circumstances\n(1) The Customer must tell the Provider as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Provider may then change the premium or the terms of this policy, or cancel it.\n\n§ 16  Salvage\n(1) When the Provider replaces an item, the damaged or recovered item becomes the Provider's property.\n(2) If stolen property is recovered after the Provider has paid a claim, the Customer must tell the Provider and either return the payment or give the Provider the property.\n\n§ 17  Automatic renewal\n(1) Unless the Customer tells the Provider otherwise, this policy will renew automatically at the end of the policy period using the payment details the Provider holds.\n(2) The Customer can switch off automatic renewal at any time by contacting the Provider's helpline.\n\n§ 18  Renewal\n(1) The Provider will write to the Customer at least 21 days before the end of the policy period with the renewal terms.\n(2) The Provider is not obliged to offer renewal.\n\n=== CLAIM ===\nClaim summary: Samir Mbeki; policy T568837; policy start 26 August 2025; schedule covers Accidental Damage, Breakdown, Theft and Loss; extensions none. Section claimed: Theft and Loss, for a smartphone. Incident date 15 March 2026; notified 6 April 2026; assessed loss $538.40. Facts: The car was locked and the smartphone was in the closed boot, out of sight. The smartphone had been left in a hire car parked outside a restaurant during dinner. Samir bought the device from an authorised retailer. The device is registered in Samir's name. The retailer's receipt was uploaded with the claim.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"not_covered": "Decline: Theft and Loss is not a cover shown in the schedule", "deny_late": "Decline: the claim was notified too late (§ 6(2))", "pay_limit": "Pay up to the Theft and Loss limit", "pay_less_fee": "Pay the assessed loss less the service fee", "deny_unattended": "Decline under the unattended property exclusion (§ 4(4))"}, "src": "hard_long_policy", "label": "deny_late"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$439.40", "b": "$701", "c": "$800", "d": "$0", "e": "$538.40"}, "src": "hard_long_policy", "label": "d"}}, "_meta": {"id": "hard-v1/long_policy/development/00002", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00002", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "device", "target": "deny_late", "category": "theft_loss", "tempting": "unattended", "facts": {"domain": "device", "fee_order": "before", "notice_days": 21, "categories": {"accidental_damage": {"limit": 1500, "fee": 49, "waiting": 0, "purchased": true}, "breakdown": {"limit": 1500, "fee": 25, "waiting": 45, "purchased": true}, "theft_loss": {"limit": 800, "fee": 99, "waiting": 0, "purchased": true}}, "classes": {"accessories": {"category": "accidental_damage", "cap": 50}, "wearables": {"category": "accidental_damage", "cap": 300}, "battery": {"category": "breakdown", "cap": 120}, "accessories_tl": {"category": "theft_loss", "cap": 100}}, "exclusions": [{"key": "cosmetic_damage", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unauthorised_repair", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "manufacturer_warranty", "categories": ["breakdown"], "kind": "threshold", "thr": 12, "cmp": "lt", "has_exception": false}, {"key": "liquid", "categories": ["breakdown"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unattended", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "no_police_report", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "theft_loss", "item": "the smartphone", "item_class": null, "loss_cents": 53840, "start": "2025-08-26", "incident": "2026-03-15", "reported": "2026-04-06", "conditions": {"unattended": true}, "values": {}, "exceptions": {"unattended": true}}, "options_q": {"outcome": {"not_covered": "not_covered", "deny_late": "deny_late", "pay_limit": "pay_limit", "pay_less_fee": "pay_less_fee", "deny_unattended": "deny_unattended"}, "amount": {"a": 43940, "b": 70100, "c": 80000, "d": 0, "e": 53840}}}, "text_sha256": "d52f478a18159529d3aec58a5b65ed24d2a360e5fa8d9deb66096b5884017e6a", "state_tokens": 1520}}
{"state": "SPEC SHEET: a managed cloud provider for the analytics platform\nCorelink | monthly cost=$2,150 | p95 latency=55 ms | uptime commitment=99.51% | one-time setup fee=$2,500 | SOC 2 Type II report=no | EU data residency=yes\nStratus Cloud | monthly cost=$4,200 | p95 latency=90 ms | uptime commitment=99.74% | one-time setup fee=$17,000 | SOC 2 Type II report=no | EU data residency=yes\nDriftnet | monthly cost=$2,650 | p95 latency=80 ms | uptime commitment=99.62% | one-time setup fee=$17,500 | SOC 2 Type II report=no | EU data residency=yes\nBlueshift | monthly cost=$1,700 | p95 latency=120 ms | uptime commitment=99.84% | one-time setup fee=$14,500 | SOC 2 Type II report=no | EU data residency=no\nR1: it must offer SOC 2 Type II report\nSelection: Among the options that meet every requirement, choose the lowest total cost over 3 years: the one-time setup fee plus 3 years of the monthly cost.", "questions": {"choice": {"type": "choice", "instructions": "Which provider best satisfies the brief?", "criteria": {"corelink": null, "stratus_cloud": null, "none_qualifies": "None of the options meets every requirement", "driftnet": null, "blueshift": null}, "src": "hard_tradeoff", "label": "none_qualifies"}, "meets": {"type": "noul", "instructions": "Is Driftnet compliant with all the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00044", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00044", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "tco", "context": "provider", "none_case": true, "facts": {"rule": "tco", "options": {"Corelink": {"cost": 2150, "latency": 55, "uptime": 9951, "soc2": false, "eu": true, "setup": 2500}, "Stratus Cloud": {"cost": 4200, "latency": 90, "uptime": 9974, "soc2": false, "eu": true, "setup": 17000}, "Driftnet": {"cost": 2650, "latency": 80, "uptime": 9962, "soc2": false, "eu": true, "setup": 17500}, "Blueshift": {"cost": 1700, "latency": 120, "uptime": 9984, "soc2": false, "eu": false, "setup": 14500}}, "constraints": [{"attr": "soc2", "op": "is", "value": true}], "priority": [], "weights": {}, "years": 3, "check": "Driftnet", "options_q": {"choice": {"corelink": "corelink", "stratus_cloud": "stratus_cloud", "none_qualifies": "none_qualifies", "driftnet": "driftnet", "blueshift": "blueshift"}}}, "text_sha256": "339e8fe1d95b0ddd2e7f06de91d360ca2705fd0b5914f968d2acbc78759218d6", "state_tokens": 288}}
{"state": "SPEC SHEET: an office lease for the new Leeds team\nStation House | monthly rent=$11,400 | average commute=61 minutes | capacity=25 desks | on-site parking=yes | step-free access=yes\nAlbion Court | monthly rent=$6,700 | average commute=44 minutes | capacity=57 desks | on-site parking=no | step-free access=no\nWellington Place | monthly rent=$7,600 | average commute=60 minutes | capacity=78 desks | on-site parking=yes | step-free access=yes\nPark Row | monthly rent=$7,600 | average commute=29 minutes | capacity=20 desks | on-site parking=yes | step-free access=yes\nR1: it must offer step-free access\nR2: its average commute must be at most 60 minutes\nSelection: Among the options that meet every requirement, choose the one with the lowest monthly rent; if two or more are tied on monthly rent, choose the one with the lowest average commute.", "questions": {"choice": {"type": "choice", "instructions": "Which office best satisfies the brief?", "criteria": {"station_house": null, "park_row": null, "wellington_place": null, "albion_court": null}, "src": "hard_tradeoff", "label": "park_row"}, "meets": {"type": "noul", "instructions": "Is Albion Court compliant with all the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00072", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00072", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "office", "none_case": false, "facts": {"rule": "lex", "options": {"Station House": {"cost": 11400, "commute": 61, "desks": 25, "parking": true, "access": true}, "Albion Court": {"cost": 6700, "commute": 44, "desks": 57, "parking": false, "access": false}, "Wellington Place": {"cost": 7600, "commute": 60, "desks": 78, "parking": true, "access": true}, "Park Row": {"cost": 7600, "commute": 29, "desks": 20, "parking": true, "access": true}}, "constraints": [{"attr": "access", "op": "is", "value": true}, {"attr": "commute", "op": "<=", "value": 60}], "priority": [["cost", "lower"], ["commute", "lower"]], "weights": {}, "years": null, "check": "Albion Court", "options_q": {"choice": {"station_house": "station_house", "park_row": "park_row", "wellington_place": "wellington_place", "albion_court": "albion_court"}}}, "text_sha256": "857f276d4276f8592c41fea8fea05c870a13aad4f7e205d10d4cb4b90169ed0d", "state_tokens": 220}}
{"state": "MEMO\nRe: Alert precision\n\nA credit model flags loan applications. Historically, fifty percent of applications are going to default. When one of the applications is going to default, the system flags it ninety-nine percent of the time.\n\nWhen one of the applications is not going to default, the system still flags it three percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that one of the applications that the system has flagged is actually going to default?", "criteria": {"a": "49.5%", "b": "97.0%", "c": "50.0%", "d": "97.1%", "e": "99.0%"}, "src": "hard_probability", "label": "d"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that one of the applications that the system has flagged is going to default?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 5}}, "_meta": {"id": "hard-v1/probability/development/00014", "source": "hard_probability", "group_id": "hard-v1/probability/development/00014", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "bayes", "facts": {"kind": "bayes", "p": {"base": "50/100", "sens": "99/100", "fpr": "3/100"}, "options_q": {"value": {"a": 495, "b": 970, "c": 500, "d": 971, "e": 990}}, "qid2": "bucket"}, "text_sha256": "03fc21167a8e2aa04422a51b145cc8edb79b46f9580e143dcfc12b4f6c4d9dbf", "state_tokens": 71}}
{"state": "SPEC SHEET: a marketing agency for the spring campaign\nWildfern Agency | fee=$7,500 | lead time=11 weeks | portfolio rating=3/10 | B2B campaign experience=yes | in-house video production=yes\nNorthlight Studio | fee=$26,000 | lead time=10 weeks | portfolio rating=8/10 | B2B campaign experience=yes | in-house video production=yes\nBrightside Creative | fee=$13,000 | lead time=8 weeks | portfolio rating=5/10 | B2B campaign experience=yes | in-house video production=no\nSignal & Co | fee=$12,500 | lead time=7 weeks | portfolio rating=9/10 | B2B campaign experience=no | in-house video production=yes\nPaper Kite | fee=$10,500 | lead time=10 weeks | portfolio rating=5/10 | B2B campaign experience=no | in-house video production=yes\nR1: it must offer B2B campaign experience\nR2: its lead time must be at most 9 weeks\nSelection: Among the options that meet every requirement, choose the one with the highest portfolio rating; if two or more are tied on portfolio rating, choose the one with the lowest lead time.", "questions": {"choice": {"type": "choice", "instructions": "Which agency best satisfies the brief?", "criteria": {"northlight_studio": null, "brightside_creative": null, "signal_co": null, "wildfern_agency": null, "paper_kite": null}, "src": "hard_tradeoff", "label": "brightside_creative"}, "meets": {"type": "noul", "instructions": "Is Brightside Creative compliant with all the hard requirements?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00054", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00054", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "agency", "none_case": false, "facts": {"rule": "lex", "options": {"Wildfern Agency": {"cost": 7500, "lead": 11, "portfolio": 3, "b2b": true, "inhouse": true}, "Northlight Studio": {"cost": 26000, "lead": 10, "portfolio": 8, "b2b": true, "inhouse": true}, "Brightside Creative": {"cost": 13000, "lead": 8, "portfolio": 5, "b2b": true, "inhouse": false}, "Signal & Co": {"cost": 12500, "lead": 7, "portfolio": 9, "b2b": false, "inhouse": true}, "Paper Kite": {"cost": 10500, "lead": 10, "portfolio": 5, "b2b": false, "inhouse": true}}, "constraints": [{"attr": "b2b", "op": "is", "value": true}, {"attr": "lead", "op": "<=", "value": 9}], "priority": [["portfolio", "higher"], ["lead", "lower"]], "weights": {}, "years": null, "check": "Brightside Creative", "options_q": {"choice": {"northlight_studio": "northlight_studio", "brightside_creative": "brightside_creative", "signal_co": "signal_co", "wildfern_agency": "wildfern_agency", "paper_kite": "paper_kite"}}}, "text_sha256": "7b6203b0da2c6fb7877b8da37babe58b9876417d8b2ff66ad1747c21a50fdf56", "state_tokens": 278}}
{"state": "STAFF HEALTH REIMBURSEMENT PLAN RULES\nIssued by Cedar Benefits Services\nIn this policy, \"the Plan\" means Cedar Benefits Services and \"the Member\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Plan, before any deductible, limit or sublimit is applied.\n(2) Business day means Monday to Friday, excluding public holidays.\n(3) Dependant means the Member's spouse or partner, or a child under 21 who is enrolled in the plan.\n(4) Family means the Member's spouse or partner and any children who live with the Member.\n(5) Frames means spectacle frames bought without new lenses.\n(6) Hearing accessories means batteries, chargers and cleaning kits.\n(7) Hearing aid replacement period means 24 months from the purchase of hearing aids funded by the plan.\n(8) Incident means a single event, or a series of events arising from one cause.\n(9) Limit means the most the Plan will pay for all claims under a section arising from one treatment.\n(10) Major restorative work means crowns, bridges, root canal treatment and implants.\n(11) Massage therapy means sports massage, massage therapy and reflexology.\n(12) Network provider means a practitioner or clinic that has an agreement with the Plan to provide treatment.\n(13) Orthodontics means braces and clear aligners.\n(14) Policy period means twelve months from the policy start date shown in the Member's schedule.\n(15) Premium means the amount the Member must pay for this policy, including any taxes.\n(16) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(17) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(18) Replacement period means 12 months from the date of the Member's last eyewear claim.\n(19) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n\n§ 2  Limits and deductible\n(1) Dental Care: limit $1,000 per treatment; deductible $100 per claim.\n(2) Vision Care: limit $300 per treatment; deductible $25 per claim.\n(3) Therapy Services: limit $1,500 per treatment; deductible $75 per claim.\n(4) Hearing Care: limit $2,000 per treatment; deductible $150 per claim.\n(5) The deductible is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 4  Coordination of benefits\n(1) If a treatment is also covered by another plan, the Plan will pay only the part of the cost that the other plan does not pay.\n(2) The Member must tell the Plan about any other plan that covers the Member or the Member's dependants.\n\n§ 5  Exchange of information\n(1) To prevent fraud, the Plan may check the details the Member gives against public records and industry databases.\n(2) The Plan may contact previous insurers to confirm the Member's claims history.\n\n§ 6  Recovery of costs\n(1) If the Plan pays a claim that is later found not to be covered, the Plan may ask the Member to repay the amount.\n\n§ 7  Third-party administrators\n(1) The Plan may appoint another company to handle claims or other services on the Plan's behalf.\n(2) Any company the Plan appoints must follow the terms of this policy and applicable data protection law.\n\n§ 8  Cancellation\n(1) The Member can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Member can cancel at any time; the Plan will refund the premium for the unexpired period less an administration charge of $30.\n(3) The Plan can cancel this policy by giving the Member 30 days' written notice to the last address the Plan holds.\n\n§ 9  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 10  Dependants\n(1) The Member may enrol dependants at the start of each plan year or within 30 days of a qualifying life event.\n(2) Benefits paid for dependants count towards the same annual limits as the Member's own claims.\n\n§ 11  Assignment\n(1) The Member cannot transfer the Member's interest in this policy to anyone else without the Plan's written consent.\n\n§ 12  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 13  Market conditions\n(1) If the replacement item is no longer available, the Plan will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 14  Optional cover: Hearing Care\n(1) The Plan will reimburse hearing tests and hearing aids.\n(2) This section applies only if it is shown as purchased in the Member's schedule.\n(3) The most the Plan will pay for Hearing accessories under this section is $100 per treatment.\n(4) The Plan will not pay for replacement hearing aids bought within the hearing aid replacement period.\n\n§ 15  Data protection\n(1) The Plan will use the personal information the Member provides to administer this policy and to handle claims.\n(2) The Plan will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Member can ask for a copy of the personal information the Plan holds by writing to the Plan's data protection officer.\n\n§ 16  Interest\n(1) The Plan will not pay interest on any claim payment unless the law requires it.\n\n§ 17  Therapy Services\n(1) The Plan will reimburse physiotherapy, osteopathy and counselling provided by a registered practitioner.\n(2) The most the Plan will pay for Massage therapy under this section is $300 per treatment.\n(3) The Plan will not pay for treatment of an injury covered by workers' compensation.\n(4) The Plan will not pay for treatment by a practitioner who is not registered with the relevant professional body.\n\n§ 18  Electronic documents\n(1) The Plan will send documents by email unless the Member asks for paper copies.\n(2) The Member must tell the Plan if the Member's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 19  Cooperation\n(1) The Member must give the Plan all the help and information the Plan reasonably need to settle a claim.\n(2) The Member must not admit liability or offer to settle any claim without the Plan's written permission.\n\n§ 20  Leaving the plan\n(1) Cover ends on the day the Member's employment ends or the day the Member stops being eligible, whichever is earlier.\n(2) Claims for treatment received before cover ended may be submitted up to 90 days afterwards.\n\n§ 21  Dental Care\n(1) The Plan will reimburse the cost of dental treatment provided by a licensed dentist.\n(2) No cover applies under this section to any treatment that happens within the first 60 days after the policy start date.\n(3) The most the Plan will pay for Major restorative work under this section is $500 per treatment.\n(4) The most the Plan will pay for Orthodontics under this section is $600 per treatment.\n(5) The Plan will not pay for treatment that is mainly cosmetic, such as whitening or veneers. This exclusion does not apply to treatment needed to repair damage caused by an accident.\n(6) The Plan will not pay for treatment by a provider outside the plan's network. This exclusion does not apply to emergency treatment for sudden severe pain.\n\n§ 22  Eligibility\n(1) Employees who work at least 20 hours a week are eligible to join the plan from their first day of employment.\n(2) Contractors, agency workers and employees on unpaid leave of more than three months are not eligible.\n\n§ 23  Renewal\n(1) The Plan will write to the Member at least 21 days before the end of the policy period with the renewal terms.\n(2) The Plan is not obliged to offer renewal.\n\n§ 24  Reasonable precautions\n(1) The Member must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Member must take reasonable steps to recover lost or stolen property.\n\n§ 25  Wellness allowance\n(1) Each plan year the Member may claim up to $100 towards a gym membership or fitness class.\n(2) The wellness allowance is not subject to any deductible and does not count towards other limits.\n\n§ 26  Instalment agreements\n(1) If the Member pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 27  Duty of fair presentation\n(1) The Member must answer all questions the Plan asks honestly and to the best of the Member's knowledge.\n(2) If the Member gives incorrect information deliberately or recklessly, the Plan may treat this policy as if it never existed and keep the premium.\n(3) If the Member gives incorrect information carelessly, the Plan may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 28  Inflation\n(1) The Plan may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Member's renewal documents; limits do not change during a policy period.\n\n§ 29  Appeals\n(1) If the Plan declines all or part of a claim, the Member may appeal in writing within 60 days of the decision.\n(2) An appeal will be reviewed by someone who was not involved in the original decision.\n(3) The Plan will give the Member a written decision on the appeal within 30 days.\n\n§ 30  Vision Care\n(1) The Plan will reimburse eye tests and prescription eyewear.\n(2) The most the Plan will pay for Frames under this section is $150 per treatment.\n(3) The Plan will not pay for eyewear without prescription lenses.\n(4) The Plan will not pay for a further eyewear claim within the replacement period.\n\n§ 31  Subrogation\n(1) The Plan will be entitled to take over and conduct in the Member's name the defence or settlement of any claim.\n(2) The Plan can take action in the Member's name to recover any payment the Plan makes from anyone responsible for the loss.\n\n§ 32  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 33  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Plan may charge the premium without the discount from that date.\n\n§ 34  Waiver\n(1) If the Plan does not enforce any term of this policy, that does not mean the Plan has given up the right to enforce it later.\n\n§ 35  Automatic renewal\n(1) Unless the Member tells the Plan otherwise, this policy will renew automatically at the end of the policy period using the payment details the Plan holds.\n(2) The Member can switch off automatic renewal at any time by contacting the Plan's helpline.\n\n§ 36  Salvage\n(1) When the Plan replaces an item, the damaged or recovered item becomes the Plan's property.\n(2) If stolen property is recovered after the Plan has paid a claim, the Member must tell the Plan and either return the payment or give the Plan the property.\n\n§ 37  General exclusions\n(1) The Plan will not pay for any fraudulent claim or any claim supported by false documents.\n(2) The Plan will not pay for loss caused by nuclear radiation or radioactive contamination.\n(3) The Plan will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(4) The Plan will not pay for any deliberate or criminal act by the Member.\n\n§ 38  Environmental commitment\n(1) Where practical, the Plan will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Member may ask for a new part instead, and the Plan will tell the Member whether any additional cost would apply.\n\n§ 39  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Plan will pay only the Plan's proportionate share.\n(2) The Member must tell the Plan about any other insurance that covers the same loss when the Member makes a claim.\n\n§ 40  Premium payment\n(1) The Member must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 21 days of its due date, the Plan may cancel the policy after giving notice.\n\n§ 41  Making a claim\n(1) The Plan may appoint a loss adjuster to investigate any claim.\n(2) The Member must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Member must notify the Plan of a claim within 21 days of the treatment. The Plan will not pay any claim notified after that time.\n\n§ 42  Customer support\n(1) The Plan's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Member can leave a message and the Plan will call back on the next working day.\n\n=== CLAIM ===\nClaim summary: Luca Ivanova; policy H532830; policy start 3 January 2026; schedule covers Dental Care, Vision Care, Therapy Services; extensions none. Section claimed: Dental Care, for a dental implant. Treatment date 16 March 2026; notified 28 March 2026; assessed loss $738. Facts: The appointment was booked three weeks in advance. The dentist is not part of the plan's network. Luca submitted receipts through the benefits portal. Luca joined the company's finance team two years ago.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_less_fee": "Pay the assessed loss less the deductible", "deny_late": "Decline: the claim was notified too late (§ 41(3))", "pay_limit": "Pay up to the Dental Care limit", "deny_out_of_network": "Decline under the out-of-network providers exclusion (§ 21(6))", "not_covered": "Decline: Dental Care is not a cover shown in the schedule"}, "src": "hard_long_policy", "label": "deny_out_of_network"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$0", "b": "$638", "c": "$900", "d": "$400", "e": "$500"}, "src": "hard_long_policy", "label": "a"}}, "_meta": {"id": "hard-v1/long_policy/development/00000", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00000", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "benefits", "target": "deny_exclusion", "category": "dental", "tempting": null, "facts": {"domain": "benefits", "fee_order": "before", "notice_days": 21, "categories": {"dental": {"limit": 1000, "fee": 100, "waiting": 60, "purchased": true}, "vision": {"limit": 300, "fee": 25, "waiting": 0, "purchased": true}, "therapy": {"limit": 1500, "fee": 75, "waiting": 0, "purchased": true}, "hearing": {"limit": 2000, "fee": 150, "waiting": 0, "purchased": false}}, "classes": {"major": {"category": "dental", "cap": 500}, "ortho": {"category": "dental", "cap": 600}, "frames": {"category": "vision", "cap": 150}, "massage": {"category": "therapy", "cap": 300}, "accessories": {"category": "hearing", "cap": 100}}, "exclusions": [{"key": "cosmetic", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "out_of_network", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "non_prescription", "categories": ["vision"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "frequency", "categories": ["vision"], "kind": "threshold", "thr": 12, "cmp": "lt", "has_exception": false}, {"key": "work_injury", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unregistered", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "replacement", "categories": ["hearing"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}], "case": {"category": "dental", "item": "the implant", "item_class": "major", "loss_cents": 73800, "start": "2026-01-03", "incident": "2026-03-16", "reported": "2026-03-28", "conditions": {"out_of_network": true}, "values": {}, "exceptions": {"out_of_network": false}}, "options_q": {"outcome": {"pay_less_fee": "pay_less_fee", "deny_late": "deny_late", "pay_limit": "pay_limit", "deny_out_of_network": "deny_out_of_network", "not_covered": "not_covered"}, "amount": {"a": 0, "b": 63800, "c": 90000, "d": 40000, "e": 50000}}}, "text_sha256": "6c79833d0009654663b63178612c529d2ddcddc720a53e194e360d6921c5ddb8", "state_tokens": 3374}}
{"state": "SPEC SHEET: a marketing agency for the spring campaign\nTallgrass Media | fee=$8,000 | lead time=10 weeks | portfolio rating=7/10 | documentation score=9/10 | scalability score=8/10 | ease of integration score=5/10 | B2B campaign experience=yes | in-house video production=yes\nWildfern Agency | fee=$14,000 | lead time=11 weeks | portfolio rating=3/10 | documentation score=10/10 | scalability score=6/10 | ease of integration score=6/10 | B2B campaign experience=yes | in-house video production=yes\nBrightside Creative | fee=$26,500 | lead time=8 weeks | portfolio rating=6/10 | documentation score=9/10 | scalability score=10/10 | ease of integration score=6/10 | B2B campaign experience=yes | in-house video production=no\nNorthlight Studio | fee=$11,000 | lead time=11 weeks | portfolio rating=10/10 | documentation score=3/10 | scalability score=9/10 | ease of integration score=9/10 | B2B campaign experience=no | in-house video production=yes\nSignal & Co | fee=$10,000 | lead time=8 weeks | portfolio rating=10/10 | documentation score=8/10 | scalability score=7/10 | ease of integration score=7/10 | B2B campaign experience=yes | in-house video production=no\nR1: its fee must be at most $9,000\nSelection: Each option has been scored from 1 to 10 on documentation, scalability and ease of integration (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 40% documentation, 35% scalability, 25% ease of integration.", "questions": {"choice": {"type": "choice", "instructions": "Which agency best satisfies the brief?", "criteria": {"brightside_creative": null, "wildfern_agency": null, "northlight_studio": null, "tallgrass_media": null, "signal_co": null}, "src": "hard_tradeoff", "label": "tallgrass_media"}, "meets": {"type": "noul", "instructions": "Is Tallgrass Media compliant with all the hard requirements?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00061", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00061", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "agency", "none_case": false, "facts": {"rule": "weighted", "options": {"Tallgrass Media": {"cost": 8000, "lead": 10, "portfolio": 7, "b2b": true, "inhouse": true, "documentation": 9, "scalability": 8, "ease of integration": 5}, "Wildfern Agency": {"cost": 14000, "lead": 11, "portfolio": 3, "b2b": true, "inhouse": true, "documentation": 10, "scalability": 6, "ease of integration": 6}, "Brightside Creative": {"cost": 26500, "lead": 8, "portfolio": 6, "b2b": true, "inhouse": false, "documentation": 9, "scalability": 10, "ease of integration": 6}, "Northlight Studio": {"cost": 11000, "lead": 11, "portfolio": 10, "b2b": false, "inhouse": true, "documentation": 3, "scalability": 9, "ease of integration": 9}, "Signal & Co": {"cost": 10000, "lead": 8, "portfolio": 10, "b2b": true, "inhouse": false, "documentation": 8, "scalability": 7, "ease of integration": 7}}, "constraints": [{"attr": "cost", "op": "<=", "value": 9000}], "priority": [], "weights": {"documentation": 40, "scalability": 35, "ease of integration": 25}, "years": null, "check": "Tallgrass Media", "options_q": {"choice": {"brightside_creative": "brightside_creative", "wildfern_agency": "wildfern_agency", "northlight_studio": "northlight_studio", "tallgrass_media": "tallgrass_media", "signal_co": "signal_co"}}}, "text_sha256": "172cdde9ac7e83db6a7f6d66d700a78fa8857de501a8c2f127176b2a839afadc", "state_tokens": 428}}
{"state": "MEMO\nRe: Quarterly breakdown\n\nCounts of units inspected last week by shift and result: night shift: 316 defective, 78 passed. day shift: 335 defective, 27 passed.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, Among records that were defective, what share came from day shift?", "criteria": {"a": "51.5%", "b": "44.3%", "c": "86.1%", "d": "47.9%", "e": "92.5%"}, "src": "hard_probability", "label": "a"}}, "_meta": {"id": "hard-v1/probability/development/00037", "source": "hard_probability", "group_id": "hard-v1/probability/development/00037", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "table", "facts": {"kind": "table", "p": {}, "counts": {"night shift": {"defective": 316, "passed": 78}, "day shift": {"defective": 335, "passed": 27}}, "row": "day shift", "col": "defective", "ask": "row_given_col", "options_q": {"value": {"a": 515, "b": 443, "c": 861, "d": 479, "e": 925}}}, "text_sha256": "1478fba8ee9032d9be0a8781c66c5d7193b3e8b5be7bccdc38bfa6ba0aebabd7", "state_tokens": 47}}
{"state": "REVIEW REQUEST\nItem: Machine A packs 67 boxes per hour and machine B packs 57 boxes per hour. Working together, how many hours do they need to pack 1,240 boxes? Give one decimal place.\nSubmitted result: Final answer: 40.3 hours", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "40.4 hours", "b": "10.0 hours", "c": "20.0 hours", "d": "18.5 hours", "e": "40.3 hours"}, "src": "hard_judge", "label": "b"}}, "_meta": {"id": "hard-v1/judge/development/00008", "source": "hard_judge", "group_id": "hard-v1/judge/development/00008", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "rate", "error": "sum_of_times", "facts": {"kind": "rate", "args": {"items": 1240, "r1": 67, "r2": 57}, "dp": 1, "proposed": 403, "error": "sum_of_times", "options_q": {"value": {"a": 404, "b": 100, "c": 200, "d": 185, "e": 403}}}, "text_sha256": "920157be0ab27aa7d16c8a46c10719c150f36f4e6f333fe5cef4d3e3e186b8fd", "state_tokens": 63}}
{"state": "SPEC SHEET: a payment processor for the online store\nLedgerly | fee per transaction=3.30% | payout delay=3 days | uptime commitment=99.97% | multi-currency settlement=no | a chargeback protection service=yes\nQuickcheck | fee per transaction=3.05% | payout delay=2 days | uptime commitment=99.54% | multi-currency settlement=yes | a chargeback protection service=no\nCoinbridge | fee per transaction=2.15% | payout delay=7 days | uptime commitment=99.84% | multi-currency settlement=yes | a chargeback protection service=yes\nTillpoint | fee per transaction=3.00% | payout delay=1 days | uptime commitment=99.76% | multi-currency settlement=no | a chargeback protection service=yes\nR1: it must offer multi-currency settlement\nR2: its uptime commitment must be at least 99.76%\nSelection: Among the options that meet every requirement, choose the one with the lowest fee per transaction; if two or more are tied on fee per transaction, choose the one with the highest uptime commitment.", "questions": {"choice": {"type": "choice", "instructions": "Which processor best satisfies the brief?", "criteria": {"quickcheck": null, "tillpoint": null, "coinbridge": null, "ledgerly": null}, "src": "hard_tradeoff", "label": "coinbridge"}, "meets": {"type": "noul", "instructions": "Does Coinbridge pass the hard requirements?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00008", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00008", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "processor", "none_case": false, "facts": {"rule": "lex", "options": {"Ledgerly": {"cost": 330, "payout": 3, "uptime": 9997, "multicurrency": false, "disputes": true}, "Quickcheck": {"cost": 305, "payout": 2, "uptime": 9954, "multicurrency": true, "disputes": false}, "Coinbridge": {"cost": 215, "payout": 7, "uptime": 9984, "multicurrency": true, "disputes": true}, "Tillpoint": {"cost": 300, "payout": 1, "uptime": 9976, "multicurrency": false, "disputes": true}}, "constraints": [{"attr": "multicurrency", "op": "is", "value": true}, {"attr": "uptime", "op": ">=", "value": 9976}], "priority": [["cost", "lower"], ["uptime", "higher"]], "weights": {}, "years": null, "check": "Coinbridge", "options_q": {"choice": {"quickcheck": "quickcheck", "tillpoint": "tillpoint", "coinbridge": "coinbridge", "ledgerly": "ledgerly"}}}, "text_sha256": "359b6709a78f5b2fcf53146348da212976602189489b2f3a9f0957468c07e57a", "state_tokens": 251}}
{"state": "MEMO\nRe: Outage: fraud-scorer\n\nOutages propagate along hard dependencies: if a service goes down, every service that depends on it, directly or through other hard dependencies, is affected. Soft dependencies do not propagate outages. cdn-edge depends on session-cache. auth-service depends on billing-api.\n\ninventory-db depends on billing-api (soft dependency: it degrades gracefully and keeps working if billing-api is down). fraud-scorer depends on user-profile. order-queue depends on payments-gateway.\n\nnotification-hub depends on user-profile. billing-api depends on fraud-scorer. payments-gateway depends on reporting-etl.\n\nsession-cache depends on auth-service. fraud-scorer is currently down.", "questions": {"affected": {"type": "choice", "instructions": "Which of these will the outage reach?", "criteria": {"notification_hub": null, "inventory_db": null, "none_affected": "None of these services is affected", "cdn_edge": null, "user_profile": null}, "src": "hard_multi_hop", "label": "cdn_edge"}}, "_meta": {"id": "hard-v1/multi_hop/development/00056", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00056", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "deps", "hops": 4, "soft": true, "facts": {"kind": "deps", "edges": [["billing-api", "fraud-scorer", false], ["auth-service", "billing-api", false], ["session-cache", "auth-service", false], ["cdn-edge", "session-cache", false], ["fraud-scorer", "user-profile", false], ["payments-gateway", "reporting-etl", false], ["notification-hub", "user-profile", false], ["inventory-db", "billing-api", true], ["order-queue", "payments-gateway", false]], "down": "fraud-scorer", "candidates": ["cdn-edge", "user-profile", "notification-hub", "inventory-db"], "options_q": {"affected": {"notification_hub": "notification_hub", "inventory_db": "inventory_db", "none_affected": "none_affected", "cdn_edge": "cdn_edge", "user_profile": "user_profile"}}}, "text_sha256": "d6b1b86a6a91c0ff37693cdb59f1126178715878451f7b9a3491471035c92814", "state_tokens": 151}}
{"state": "REVIEW REQUEST\nItem: A shop bought 142 units at $30.61 each and later 170 units at $5.79 each. What is the average cost per unit across all units bought, to the nearest cent?\nSubmitted result: Answer: $2,665.46", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$2,665.47", "b": "$19.31", "c": "$17.09", "d": "$2,665.46", "e": "$18.20"}, "src": "hard_judge", "label": "c"}}, "_meta": {"id": "hard-v1/judge/development/00002", "source": "hard_judge", "group_id": "hard-v1/judge/development/00002", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "wavg", "error": "total_over_batches", "facts": {"kind": "wavg", "args": {"n1": 142, "p1": "3061/100", "n2": 170, "p2": "579/100"}, "dp": 2, "proposed": 266546, "error": "total_over_batches", "options_q": {"value": {"a": 266547, "b": 1931, "c": 1709, "d": 266546, "e": 1820}}}, "text_sha256": "12e9f9a52f491e02beffe3c38e51e97e827270c7393d153462e4d19cdd3e45f5", "state_tokens": 69}}
{"state": "REVIEW REQUEST\nItem: An order has 11 notebooks at $57.10 each and 4 desk lamps at $90.36 each. A 15% discount applies to the whole order, and then 20% sales tax is added. What is the final total, to the nearest cent?\nSubmitted result: $1,074.39", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$1,074.39", "b": "$1,009.33", "c": "$1,039.02", "d": "$732.83", "e": "$841.11"}, "src": "hard_judge", "label": "b"}}, "_meta": {"id": "hard-v1/judge/development/00082", "source": "hard_judge", "group_id": "hard-v1/judge/development/00082", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "order", "error": "discount_first_line", "facts": {"kind": "order", "args": {"q1": 11, "p1": "571/10", "q2": 4, "p2": "2259/25", "d": "3/20", "tax": "1/5"}, "dp": 2, "proposed": 107439, "error": "discount_first_line", "options_q": {"value": {"a": 107439, "b": 100933, "c": 103902, "d": 73283, "e": 84111}}}, "text_sha256": "e5b2c82948bd177f6d7c2a40a14263a9cc3307ef1ad155b7ebffe843b36d9972", "state_tokens": 82}}
{"state": "MEMO\nRe: Tenure\n\nEmployees are eligible for a sabbatical once they have completed 3 years of continuous employment with the company on the date they apply. Owen Gallagher applied for the sabbatical on February 22, 2025. Owen joined the company on July 12, 2021.\n\nOwen moved to the Data Platform team on September 4, 2021. Owen's manager supports the application.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "not_eligible": "Not yet eligible", "eligible": "Eligible for the sabbatical"}, "src": "hard_ambiguous", "label": "eligible"}}, "_meta": {"id": "hard-v1/ambiguous/development/00096", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00096", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "tenure", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "tenure", "insufficient_key": "not_enough_information", "params": {"years": 3, "apply": "2025-02-22", "hired": "2021-07-12", "moved": "2021-09-04"}, "deciding_present": true, "options_q": {"decision": {"not_enough_information": "not_enough_information", "not_eligible": "not_eligible", "eligible": "eligible"}}}, "text_sha256": "d797d3674cd148f15cecd650c45b23c09acd7fea373b97cfb587fb56c139a150", "state_tokens": 98}}
{"state": "REVIEW REQUEST\nItem: Convert -15 degrees Celsius to degrees Fahrenheit (F = C x 9/5 + 32). Give the answer to one decimal place.\nSubmitted result: Final answer: 30.6 degrees Fahrenheit", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "-27.0 degrees Fahrenheit", "b": "5.0 degrees Fahrenheit", "c": "23.7 degrees Fahrenheit", "d": "30.6 degrees Fahrenheit", "e": "50.0 degrees Fahrenheit"}, "src": "hard_judge", "label": "b"}}, "_meta": {"id": "hard-v1/judge/development/00067", "source": "hard_judge", "group_id": "hard-v1/judge/development/00067", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "convert", "error": "offset_first", "facts": {"kind": "convert", "args": {"x": "-15", "factor": "9/5", "offset": 32}, "dp": 1, "proposed": 306, "error": "offset_first", "options_q": {"value": {"a": -270, "b": 50, "c": 237, "d": 306, "e": 500}}}, "text_sha256": "2cf34c15399266cbf781ba58bcf1be6e5f1b8c5272685b1dd925130444252c5d", "state_tokens": 51}}
{"state": "MEMO\nRe: Alert precision\n\nA security system raises alerts on login attempts. Historically, fifty percent of login attempts are malicious. When one of the login attempts is malicious, the system raises an alert on it ninety-nine percent of the time.\n\nWhen one of the login attempts is not malicious, the system still raises an alert on it three percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that one of the login attempts that the system has raised an alert on is actually malicious?", "criteria": {"a": "49.5%", "b": "97.1%", "c": "99.0%", "d": "97.0%", "e": "50.0%"}, "src": "hard_probability", "label": "b"}, "more_likely": {"type": "noul", "instructions": "Per the figures given, Is one of the login attempts that the system has raised an alert on more likely than not to be malicious?", "src": "hard_probability", "label": true}}, "_meta": {"id": "hard-v1/probability/development/00059", "source": "hard_probability", "group_id": "hard-v1/probability/development/00059", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "bayes", "facts": {"kind": "bayes", "p": {"base": "50/100", "sens": "99/100", "fpr": "3/100"}, "options_q": {"value": {"a": 495, "b": 971, "c": 990, "d": 970, "e": 500}}, "qid2": "more_likely"}, "text_sha256": "80939757c073b2a549da46cf1d29ab1094c07886afa16684ce945d34dc7af705", "state_tokens": 76}}
{"state": "MEMO\nRe: Reliability estimate\n\nA checkout succeeds only if all 4 independent steps succeed: the courier booking, the address validator, the warehouse API, the payment gateway. The courier booking succeeds ninety-nine percent of the time. The address validator succeeds ninety-nine percent of the time.\n\nThe warehouse API succeeds ninety percent of the time. The payment gateway succeeds seventy percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that a checkout fails?", "criteria": {"a": "0.0%", "b": "38.3%", "c": "100.0%", "d": "70.0%", "e": "61.7%"}, "src": "hard_probability", "label": "b"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that a checkout fails?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 2}}, "_meta": {"id": "hard-v1/probability/development/00049", "source": "hard_probability", "group_id": "hard-v1/probability/development/00049", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "independent", "facts": {"kind": "independent", "p": {}, "ps": ["99/100", "99/100", "90/100", "70/100"], "ask": "any_fail", "options_q": {"value": {"a": 0, "b": 383, "c": 1000, "d": 700, "e": 617}}, "qid2": "bucket"}, "text_sha256": "4499ddf0ce5fe8b9804c749423f4eaaaad3008733ea67223b1e3ae769dc232c9", "state_tokens": 80}}
{"state": "MEMO\nRe: Alert from iOS release train\n\nPaging rule: an alert pages the owning team's primary on-call; if the primary is on leave that day, it pages the secondary; if the secondary is also on leave, it pages the team's engineering manager. This week's Data Platform primary on-call is Leila and the secondary is Samir. Alerts from the ranking model are owned by the Data Platform team.\n\nThe Data Platform engineering manager is Bram. The Messaging engineering manager is Zainab. Leila is on leave from July 28, 2026 to July 30, 2026 inclusive.\n\nAlerts from the iOS release train are owned by the Messaging team. The Payments engineering manager is Viktor. This week's Messaging primary on-call is Emeka and the secondary is Sofia.\n\nAmara is on leave from July 26, 2026 to July 31, 2026 inclusive. Sofia is on leave from July 26, 2026 to August 1, 2026 inclusive. Alerts from the push gateway are owned by the Payments team.\n\nAlerts from the card tokenizer are owned by the Messaging team. Emeka is on leave from July 30, 2026 to August 1, 2026 inclusive. This week's Payments primary on-call is Amara and the secondary is Jae.\n\nOn July 31, 2026, an alert fired from the iOS release train.", "questions": {"paged": {"type": "choice", "instructions": "Who is the right person to page?", "criteria": {"sofia": null, "zainab": null, "leila": null, "emeka": null}, "src": "hard_multi_hop", "label": "zainab"}}, "_meta": {"id": "hard-v1/multi_hop/development/00014", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00014", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "oncall", "facts": {"kind": "oncall", "routes": {"card tokenizer": "Messaging", "ranking model": "Data Platform", "push gateway": "Payments", "iOS release train": "Messaging"}, "primary": {"Messaging": "Emeka", "Data Platform": "Leila", "Payments": "Amara"}, "secondary": {"Messaging": "Sofia", "Data Platform": "Samir", "Payments": "Jae"}, "manager": {"Messaging": "Zainab", "Data Platform": "Bram", "Payments": "Viktor"}, "leave": {"Emeka": [["2026-07-30", "2026-08-01"]], "Sofia": [["2026-07-26", "2026-08-01"]], "Leila": [["2026-07-28", "2026-07-30"]], "Amara": [["2026-07-26", "2026-07-31"]]}, "component": "iOS release train", "date": "2026-07-31", "options_q": {"paged": {"sofia": "sofia", "zainab": "zainab", "leila": "leila", "emeka": "emeka"}}}, "text_sha256": "4a354657b67a8d1d0d45961019b714d88e84e78570b4d7f9a1a6233bbabe1f31", "state_tokens": 321}}
{"state": "MEMO\nRe: Recurring schedule\n\nRent is collected on day 25 of each month; if that day falls on a Saturday or Sunday, it is collected on the Friday before. March 1, 2026 is a Sunday. Question concerns the collection in March 2026.", "questions": {"date": {"type": "choice", "instructions": "Date of the requested occurrence:", "criteria": {"a": "30 March 2026", "b": "22 March 2026", "c": "26 March 2026", "d": "25 March 2026", "e": "24 March 2026"}, "src": "hard_temporal_numeric", "label": "d"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00031", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00031", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "recurring_monthly_rollback", "facts": {"kind": "recurring", "pattern": "monthly_rollback", "year": 2026, "month": 3, "dom": 25, "options_q": {"date": {"a": "2026-03-30", "b": "2026-03-22", "c": "2026-03-26", "d": "2026-03-25", "e": "2026-03-24"}}}, "text_sha256": "01faeb9a5caf16b32d3746bbbce012d928c23b88b33133db0a1edfb6193d9522", "state_tokens": 64}}
{"state": "MEMO\nRe: Reliability estimate\n\nAn order is confirmed if at least one of 2 redundant suppliers can fill it; each supplier's availability is independent of the others. Supplier A is able to fill an order ninety percent of the time. Supplier B is able to fill an order ninety-nine percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that at least one supplier can fill the order?", "criteria": {"a": "0.1%", "b": "10.9%", "c": "99.9%", "d": "90.0%", "e": "89.1%"}, "src": "hard_probability", "label": "c"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that at least one supplier can fill the order?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 5}}, "_meta": {"id": "hard-v1/probability/development/00043", "source": "hard_probability", "group_id": "hard-v1/probability/development/00043", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "independent", "facts": {"kind": "independent", "p": {}, "ps": ["90/100", "99/100"], "ask": "any", "options_q": {"value": {"a": 1, "b": 109, "c": 999, "d": 900, "e": 891}}, "qid2": "bucket"}, "text_sha256": "49b50866fb8c3ef3248454c99c0307a5fe4e4b9f6f1a15f8555807a80d8d4338", "state_tokens": 65}}
{"state": "MEMO\nRe: Meeting across time zones\n\nA call is scheduled for Tuesday, December 22, 7:00 PM Berlin time. On that date Berlin is on UTC+2 and Adelaide is on UTC+9:30. One attendee is in Adelaide.", "questions": {"local": {"type": "choice", "instructions": "Local start time in Adelaide:", "criteria": {"a": "Tuesday, December 22, 2:30 AM", "b": "Wednesday, December 23, 2:30 AM", "c": "Wednesday, December 23, 3:30 AM", "d": "Wednesday, December 23, 1:30 AM", "e": "Tuesday, December 22, 11:30 AM"}, "src": "hard_temporal_numeric", "label": "b"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00041", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00041", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "tz", "facts": {"kind": "tz", "start": "2026-12-22T19:00", "off_a": 2, "off_b": 9.5, "options_q": {"local": {"a": "2026-12-22T02:30", "b": "2026-12-23T02:30", "c": "2026-12-23T03:30", "d": "2026-12-23T01:30", "e": "2026-12-22T11:30"}}}, "text_sha256": "a4743453b5b04bd432a365d8207d61d9833192f8e0a8147f5b55f67b02980f92", "state_tokens": 57}}
{"state": "MEMO\nRe: Price match\n\nWe match a competitor's lower price for an identical item if the competitor has it in stock at the time of the request, but we never match a price more than 15% below ours. If the competitor's price is not lower, no adjustment is needed. Chloe Sandoval asked us to match Yardley Engineering's price for the same blender model. Our price is $478.00; Yardley Engineering lists it at $415.86.\n\nYardley Engineering was out of stock when Chloe asked. Chloe is a returning customer.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"no_adjustment": "No adjustment needed", "decline_match": "Decline the price match", "not_enough_information": "The information given is not enough to decide", "match_price": "Match the competitor's price"}, "src": "hard_ambiguous", "label": "decline_match"}}, "_meta": {"id": "hard-v1/ambiguous/development/00046", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00046", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "price_match", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "price_match", "insufficient_key": "not_enough_information", "params": {"ours_cents": 47800, "theirs_cents": 41586, "max_gap_pct": 15, "in_stock": false}, "deciding_present": true, "options_q": {"decision": {"no_adjustment": "no_adjustment", "decline_match": "decline_match", "not_enough_information": "not_enough_information", "match_price": "match_price"}}}, "text_sha256": "f310a0554865b0d87e7174a18ac7cfcc0d209f35bf23d25359756e3e9510ed3c", "state_tokens": 125}}
{"state": "SPEC SHEET: a payment processor for the online store\nQuickcheck | fee per transaction=1.55% | payout delay=4 days | uptime commitment=99.67% | ease of use score=8/10 | support quality score=3/10 | documentation score=10/10 | multi-currency settlement=yes | a chargeback protection service=no\nLedgerly | fee per transaction=1.60% | payout delay=7 days | uptime commitment=99.59% | ease of use score=4/10 | support quality score=8/10 | documentation score=3/10 | multi-currency settlement=yes | a chargeback protection service=yes\nTillpoint | fee per transaction=3.35% | payout delay=6 days | uptime commitment=99.54% | ease of use score=3/10 | support quality score=5/10 | documentation score=7/10 | multi-currency settlement=no | a chargeback protection service=yes\nPaylane | fee per transaction=3.30% | payout delay=5 days | uptime commitment=99.60% | ease of use score=8/10 | support quality score=6/10 | documentation score=5/10 | multi-currency settlement=yes | a chargeback protection service=no\nCoinbridge | fee per transaction=2.60% | payout delay=1 days | uptime commitment=99.87% | ease of use score=3/10 | support quality score=3/10 | documentation score=9/10 | multi-currency settlement=no | a chargeback protection service=yes\nR1: it must offer a chargeback protection service\nR2: its fee per transaction must be at most 1.55%\nSelection: Each option has been scored from 1 to 10 on ease of use, support quality and documentation (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 70% ease of use, 20% support quality, 10% documentation.", "questions": {"choice": {"type": "choice", "instructions": "Which processor best satisfies the brief?", "criteria": {"coinbridge": null, "paylane": null, "tillpoint": null, "none_qualifies": "Reject all options: none meets the requirements", "quickcheck": null, "ledgerly": null}, "src": "hard_tradeoff", "label": "none_qualifies"}, "meets": {"type": "noul", "instructions": "Does Tillpoint meet every hard requirement?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00045", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00045", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "processor", "none_case": false, "facts": {"rule": "weighted", "options": {"Quickcheck": {"cost": 155, "payout": 4, "uptime": 9967, "multicurrency": true, "disputes": false, "ease of use": 8, "support quality": 3, "documentation": 10}, "Ledgerly": {"cost": 160, "payout": 7, "uptime": 9959, "multicurrency": true, "disputes": true, "ease of use": 4, "support quality": 8, "documentation": 3}, "Tillpoint": {"cost": 335, "payout": 6, "uptime": 9954, "multicurrency": false, "disputes": true, "ease of use": 3, "support quality": 5, "documentation": 7}, "Paylane": {"cost": 330, "payout": 5, "uptime": 9960, "multicurrency": true, "disputes": false, "ease of use": 8, "support quality": 6, "documentation": 5}, "Coinbridge": {"cost": 260, "payout": 1, "uptime": 9987, "multicurrency": false, "disputes": true, "ease of use": 3, "support quality": 3, "documentation": 9}}, "constraints": [{"attr": "disputes", "op": "is", "value": true}, {"attr": "cost", "op": "<=", "value": 155}], "priority": [], "weights": {"ease of use": 70, "support quality": 20, "documentation": 10}, "years": null, "check": "Tillpoint", "options_q": {"choice": {"coinbridge": "coinbridge", "paylane": "paylane", "tillpoint": "tillpoint", "none_qualifies": "none_qualifies", "quickcheck": "quickcheck", "ledgerly": "ledgerly"}}}, "text_sha256": "e2302e0b5d052b69924039979f58c619a88ace75a9cb31fbdb8a5b3d9da22c71", "state_tokens": 455}}
{"state": "MEMO\nRe: Meeting across time zones\n\nA call is scheduled for Tuesday, January 20, 8:15 AM Dubai time. On that date Dubai is on UTC+4 and Honolulu is on UTC-10. One attendee is in Honolulu.", "questions": {"local": {"type": "choice", "instructions": "Local start time in Honolulu:", "criteria": {"a": "Monday, January 19, 6:15 PM", "b": "Monday, January 19, 7:15 PM", "c": "Monday, January 19, 5:15 PM", "d": "Tuesday, January 20, 10:15 PM", "e": "Sunday, January 18, 6:15 PM"}, "src": "hard_temporal_numeric", "label": "a"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00059", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00059", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "tz", "facts": {"kind": "tz", "start": "2026-01-20T08:15", "off_a": 4, "off_b": -10, "options_q": {"local": {"a": "2026-01-19T18:15", "b": "2026-01-19T19:15", "c": "2026-01-19T17:15", "d": "2026-01-20T22:15", "e": "2026-01-18T18:15"}}}, "text_sha256": "2a9fff80ac0c43b23abc7daa28aa0bcb46d5908b29a9dca65d3b66947e083033", "state_tokens": 55}}
{"state": "SPEC SHEET: a freight carrier for the Rotterdam to Milan lane\nVireo Transport | price per shipment=$3,100 | transit time=4 days | damage rate=0.90% | temperature-controlled trailers=yes | live GPS tracking=no\nAlpfreight | price per shipment=$2,775 | transit time=11 days | damage rate=0.55% | temperature-controlled trailers=no | live GPS tracking=yes\nKestrel Haulage | price per shipment=$3,625 | transit time=8 days | damage rate=0.55% | temperature-controlled trailers=no | live GPS tracking=yes\nMeridian Cargo | price per shipment=$2,625 | transit time=7 days | damage rate=1.70% | temperature-controlled trailers=yes | live GPS tracking=no\nR1: its transit time must be at most 5 days\nR2: it must offer temperature-controlled trailers\nSelection: Among the options that meet every requirement, choose the one with the lowest damage rate; if two or more are tied on damage rate, choose the one with the lowest price per shipment.", "questions": {"choice": {"type": "choice", "instructions": "Which carrier best satisfies the brief?", "criteria": {"kestrel_haulage": null, "vireo_transport": null, "alpfreight": null, "meridian_cargo": null}, "src": "hard_tradeoff", "label": "vireo_transport"}, "meets": {"type": "noul", "instructions": "Does Meridian Cargo pass the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00009", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00009", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "carrier", "none_case": false, "facts": {"rule": "lex", "options": {"Vireo Transport": {"cost": 3100, "transit": 4, "damage": 90, "reefer": true, "tracking": false}, "Alpfreight": {"cost": 2775, "transit": 11, "damage": 55, "reefer": false, "tracking": true}, "Kestrel Haulage": {"cost": 3625, "transit": 8, "damage": 55, "reefer": false, "tracking": true}, "Meridian Cargo": {"cost": 2625, "transit": 7, "damage": 170, "reefer": true, "tracking": false}}, "constraints": [{"attr": "transit", "op": "<=", "value": 5}, {"attr": "reefer", "op": "is", "value": true}], "priority": [["damage", "lower"], ["cost", "lower"]], "weights": {}, "years": null, "check": "Meridian Cargo", "options_q": {"choice": {"kestrel_haulage": "kestrel_haulage", "vireo_transport": "vireo_transport", "alpfreight": "alpfreight", "meridian_cargo": "meridian_cargo"}}}, "text_sha256": "2bc96ae49f474bb436daeb64d286a427b0c99ec51a27bad0157e669caf3bc4c7", "state_tokens": 239}}
{"state": "MEMO\nRe: Group structure\n\nAn entity controls a company if it holds more than 50% of that company's shares, counting shares it holds directly and shares held by companies it controls. Aldermoor Holdings owns 81% of Hollis Investments. Hollis Investments owns 60% of Juno Capital.\n\nLysander Group owns 40% of Juno Capital. Fenwick Industries owns 19% of Hollis Investments.", "questions": {"controller": {"type": "choice", "instructions": "Name the ultimate controller of Juno Capital.", "criteria": {"hollis_investments": null, "aldermoor_holdings": null, "no_controller": "No entity controls it", "fenwick_industries": null, "lysander_group": null}, "src": "hard_multi_hop", "label": "aldermoor_holdings"}, "interest": {"type": "choice", "instructions": "What is Aldermoor Holdings's effective economic interest in Juno Capital (its share of Juno Capital's profits through all holdings)?", "criteria": {"a": "60.0%", "b": "97.2%", "c": "81.0%", "d": "48.6%"}, "src": "hard_multi_hop", "label": "d"}}, "_meta": {"id": "hard-v1/multi_hop/development/00076", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00076", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "ownership", "shape": "chain", "facts": {"kind": "ownership", "stakes": {"Hollis Investments": {"Aldermoor Holdings": "81/100", "Fenwick Industries": "19/100"}, "Juno Capital": {"Hollis Investments": "60/100", "Lysander Group": "40/100"}}, "candidates": ["Aldermoor Holdings", "Hollis Investments", "Lysander Group", "Fenwick Industries"], "target": "Juno Capital", "top": "Aldermoor Holdings", "options_q": {"controller": {"hollis_investments": "hollis_investments", "aldermoor_holdings": "aldermoor_holdings", "no_controller": "no_controller", "fenwick_industries": "fenwick_industries", "lysander_group": "lysander_group"}, "interest": {"a": 600, "b": 972, "c": 810, "d": 486}}}, "text_sha256": "e351edd33cdb3d4693c4921b283a291ac1f6c8120d87a6d844eb2bf40072c158", "state_tokens": 96}}
{"state": "MEMO\nRe: Invoice payment timing\n\nInvoice 61528 was issued on 1 February 2027. Payment reached the account on 23 March 2027. A late fee applies when payment arrives more than 60 days after the invoice date.", "questions": {"days": {"type": "choice", "instructions": "Number of days from invoice to payment:", "criteria": {"a": "52 days", "b": "49 days", "c": "51 days", "d": "50 days", "e": "48 days"}, "src": "hard_temporal_numeric", "label": "d"}, "late": {"type": "noul", "instructions": "Should the late fee be charged?", "src": "hard_temporal_numeric", "label": false}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00066", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00066", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "diff", "facts": {"kind": "diff", "invoice": "2027-02-01", "paid": "2027-03-23", "limit": 60, "options_q": {"days": {"a": 52, "b": 49, "c": 51, "d": 50, "e": 48}}}, "text_sha256": "66081f7d229bfbf408d5a734c0cd53f48f9baa32ae9179127cf3b3d019c06679", "state_tokens": 61}}
{"state": "MEMO\nRe: Approval routing\n\nPurchase requests of this size must be approved by the nearest person above the requester in the reporting line whose title is Director or more senior. Seniority, from junior to senior: Analyst, Engineer, Manager, Senior Manager, Director, Vice President, Chief Executive. Tess reports to Hugo. Kofi reports to Greta.\n\nEmeka reports to Kofi. Tariq reports to Tess. Arjun reports to Jonas.\n\nNoah reports to Hugo. Omar is a Director. Ines is a Manager.\n\nGreta is a Vice President. Hugo is a Vice President. Arjun is a Manager.\n\nTariq is a Senior Manager. Jonas is a Senior Manager. Wen is a Senior Manager.\n\nTess is a Director. Kenji is a Chief Executive. Noah is a Director.\n\nSana is a Manager. Emeka is a Director. Kofi is a Director.\n\nGreta reports to Kenji. Jonas reports to Kofi. Hugo reports to Kenji.\n\nOmar reports to Tess. Wen reports to Noah. Sana reports to Jonas.\n\nInes reports to Emeka. Ines has submitted a purchase request for $40,500.", "questions": {"approver": {"type": "choice", "instructions": "Which person has to approve the request?", "criteria": {"hugo": null, "emeka": null, "kenji": null, "kofi": null, "greta": null}, "src": "hard_multi_hop", "label": "emeka"}}, "_meta": {"id": "hard-v1/multi_hop/development/00038", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00038", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "org", "rule": "title", "hops": 4, "facts": {"kind": "org", "reports": {"Greta": "Kenji", "Hugo": "Kenji", "Kofi": "Greta", "Tess": "Hugo", "Noah": "Hugo", "Jonas": "Kofi", "Emeka": "Kofi", "Tariq": "Tess", "Omar": "Tess", "Wen": "Noah", "Arjun": "Jonas", "Sana": "Jonas", "Ines": "Emeka"}, "titles": {"Kenji": "Chief Executive", "Greta": "Vice President", "Hugo": "Vice President", "Kofi": "Director", "Tess": "Director", "Noah": "Director", "Jonas": "Senior Manager", "Emeka": "Director", "Tariq": "Senior Manager", "Omar": "Director", "Wen": "Senior Manager", "Arjun": "Manager", "Sana": "Manager", "Ines": "Manager"}, "requester": "Ines", "rule": "title", "min_title": "Director", "options_q": {"approver": {"hugo": "hugo", "emeka": "emeka", "kenji": "kenji", "kofi": "kofi", "greta": "greta"}}}, "text_sha256": "fb77f32c313eae48d5ffdaf41c4c6ccfc212129e252fd906069da65f1cacfe93", "state_tokens": 251}}
{"state": "RENTERS CONTENTS PROTECTION\nIssued by Oakfield Assurance\nIn this policy, \"the Insurer\" means Oakfield Assurance and \"the Policyholder\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Art and antiques means paintings, antiques, rugs and other works of art.\n(2) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(3) Bicycles means bicycles and electric scooters.\n(4) Business day means Monday to Friday, excluding public holidays.\n(5) Contents means household goods and personal possessions that belong to the Policyholder or the Policyholder's family.\n(6) Family means the Policyholder's spouse or partner and any children who live with the Policyholder.\n(7) Forcible entry means entry to the home that leaves visible damage to doors, windows or locks.\n(8) Garden items means garden furniture, plants and outdoor tools.\n(9) High-risk items means jewellery, watches, laptops, games consoles and cameras.\n(10) Home means the private residence at the address shown in the schedule.\n(11) Incident means a single event, or a series of events arising from one cause.\n(12) Outbuilding means a shed, garage or greenhouse within the boundaries of the home.\n(13) Portable electronics means laptops, tablets and mobile phones.\n(14) Premium means the amount the Policyholder must pay for this policy, including any taxes.\n(15) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(16) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(17) Schedule means the document issued with this policy that shows the Policyholder's details, the covers the Policyholder bought and any extensions.\n(18) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(19) Unoccupied means not lived in by the Policyholder or a member of the Policyholder's family for more than 45 consecutive days.\n\n§ 2  Limits and excess\n(1) Theft: limit $10,000 per incident; excess $100 per claim.\n(2) Escape of Water: limit $15,000 per incident; excess $500 per claim.\n(3) Accidental Damage: limit $2,000 per incident; excess $100 per claim.\n(4) Flood: limit $40,000 per incident; excess $500 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the excess is then deducted from the result.\n\n§ 3  Optional cover: Accidental Damage\n(1) The Insurer will pay for sudden and unexpected accidental damage to the Policyholder's contents inside the home.\n(2) This section applies only if it is shown as purchased in the Policyholder's schedule.\n(3) The most the Insurer will pay for Portable electronics under this section is $500 per incident.\n(4) The Insurer will not pay for damage caused by pets.\n(5) The Insurer will not pay for wear and tear, or damage that happens gradually.\n\n§ 4  Escape of Water\n(1) The Insurer will pay for contents damaged by water escaping from a fixed pipe, tank or domestic appliance.\n(2) The most the Insurer will pay for Art and antiques under this section is $1,000 per incident.\n(3) The Insurer will not pay for damage caused by water leaking gradually over a period of time.\n(4) The Insurer will not pay for damage caused by the failure of grout or sealant around baths and showers.\n\n§ 5  Theft\n(1) The Insurer will pay for contents stolen from the Policyholder's home.\n(2) The most the Insurer will pay for High-risk items under this section is $1,000 per incident.\n(3) The most the Insurer will pay for Bicycles under this section is $500 per incident.\n(4) The Insurer will not pay for theft while the home is unoccupied.\n(5) The Insurer will not pay for theft where there is no sign of forced entry to the home. This exclusion does not apply where the thief gained entry by deception, for example by posing as a utility worker.\n(6) The Insurer will not pay for theft from sheds, garages or other outbuildings. This exclusion does not apply if the outbuilding was locked and the theft involved forcible entry.\n\n§ 6  Flood\n(1) The Insurer will pay for contents damaged by flood water entering the Policyholder's home.\n(2) No cover applies under this section to any incident that happens within the first 60 days after the policy start date.\n(3) The most the Insurer will pay for Garden items under this section is $1,000 per incident.\n(4) The Insurer will not pay for flood damage where a flood warning for the Policyholder's area had been issued before the policy started.\n\n§ 7  General exclusions\n(1) The Insurer will not pay for any deliberate or criminal act by the Policyholder.\n(2) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(3) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n(4) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n(5) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n(6) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n\n§ 8  Making a claim\n(1) The Insurer may appoint a loss adjuster to investigate any claim.\n(2) The Policyholder must notify the Insurer of a claim within 90 days of the incident. The Insurer will not pay any claim notified after that time.\n(3) The Policyholder must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 9  Instalment agreements\n(1) If the Policyholder pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 10  Complaints\n(1) If the Policyholder has a complaint, the Policyholder should first contact the Insurer's customer relations team, quoting the policy number.\n(2) The Insurer will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Policyholder remains dissatisfied, the Policyholder may be able to refer the complaint to an independent ombudsman service.\n\n§ 11  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 12  Garden and outdoor cover\n(1) The Insurer will pay for plants, trees and shrubs in the garden of the home that are damaged by fire, lightning or theft.\n(2) The Insurer will not pay for damage caused by frost, storms, drought or animals.\n\n§ 13  Interest\n(1) The Insurer will not pay interest on any claim payment unless the law requires it.\n\n§ 14  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Policyholder should be sent to the address shown in the schedule.\n\n§ 15  Assignment\n(1) The Policyholder cannot transfer the Policyholder's interest in this policy to anyone else without the Insurer's written consent.\n\n§ 16  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 17  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Policyholder must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 18  Customer support\n(1) The Insurer's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Policyholder can leave a message and the Insurer will call back on the next working day.\n\n§ 19  Cancellation\n(1) The Policyholder can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Policyholder can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $15.\n(3) The Insurer can cancel this policy by giving the Policyholder 30 days' written notice to the last address the Insurer holds.\n\n§ 20  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 21  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Insurer will pay only the Insurer's proportionate share.\n(2) The Policyholder must tell the Insurer about any other insurance that covers the same loss when the Policyholder makes a claim.\n\n§ 22  Locks and keys\n(1) If the keys to the Policyholder's home are lost or stolen, the Insurer will pay the cost of replacing the locks to the outside doors.\n(2) The most the Insurer will pay under this clause is $300 for any one claim.\n\n§ 23  Renewal\n(1) The Insurer will write to the Policyholder at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 24  Waiver\n(1) If the Insurer does not enforce any term of this policy, that does not mean the Insurer has given up the right to enforce it later.\n\n§ 25  Compensation scheme\n(1) The Insurer is covered by a financial services compensation scheme.\n(2) If the Insurer cannot meet the Insurer's obligations, the Policyholder may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 26  Reasonable precautions\n(1) The Policyholder must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Policyholder must take reasonable steps to recover lost or stolen property.\n\n§ 27  Arbitration\n(1) If the Insurer accepts a claim but disagree with the Policyholder about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Insurer.\n\n§ 28  Cooperation\n(1) The Policyholder must give the Insurer all the help and information the Insurer reasonably need to settle a claim.\n(2) The Policyholder must not admit liability or offer to settle any claim without the Insurer's written permission.\n\n§ 29  Freezer contents\n(1) The Insurer will pay for food in a domestic freezer that spoils because of a rise or fall in temperature.\n(2) The Insurer will not pay if the freezer is more than fifteen years old, or if the electricity supplier cut the supply deliberately.\n\n§ 30  Automatic renewal\n(1) Unless the Policyholder tells the Insurer otherwise, this policy will renew automatically at the end of the policy period using the payment details the Insurer holds.\n(2) The Policyholder can switch off automatic renewal at any time by contacting the Insurer's helpline.\n\n§ 31  Changes in circumstances\n(1) The Policyholder must tell the Insurer as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Insurer may then change the premium or the terms of this policy, or cancel it.\n\n§ 32  Alternative accommodation\n(1) If the Policyholder's home cannot be lived in after damage covered by this policy, the Insurer will pay the reasonable cost of comparable temporary accommodation.\n(2) The Insurer will also pay for the temporary housing of pets that live with the Policyholder.\n(3) Cover ends when the home is fit to live in again or after twelve months, whichever is sooner.\n\n§ 33  Claims documents\n(1) The Policyholder must provide, at the Policyholder's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 34  Communication\n(1) The Insurer will communicate with the Policyholder in English.\n(2) The Insurer may record telephone calls for training and quality purposes.\n\n§ 35  Duty of fair presentation\n(1) The Policyholder must answer all questions the Insurer asks honestly and to the best of the Policyholder's knowledge.\n(2) If the Policyholder gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Policyholder gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 36  Data protection\n(1) The Insurer will use the personal information the Policyholder provides to administer this policy and to handle claims.\n(2) The Insurer will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Policyholder can ask for a copy of the personal information the Insurer holds by writing to the Insurer's data protection officer.\n\n§ 37  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Policyholder to repay the amount.\n\n§ 38  Third-party administrators\n(1) The Insurer may appoint another company to handle claims or other services on the Insurer's behalf.\n(2) Any company the Insurer appoints must follow the terms of this policy and applicable data protection law.\n\n§ 39  Subrogation\n(1) The Insurer will be entitled to take over and conduct in the Policyholder's name the defence or settlement of any claim.\n(2) The Insurer can take action in the Policyholder's name to recover any payment the Insurer makes from anyone responsible for the loss.\n\n§ 40  Electronic documents\n(1) The Insurer will send documents by email unless the Policyholder asks for paper copies.\n(2) The Policyholder must tell the Insurer if the Policyholder's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 41  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 42  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 43  Market conditions\n(1) If the replacement item is no longer available, the Insurer will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 44  Inflation\n(1) The Insurer may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Policyholder's renewal documents; limits do not change during a policy period.\n\n§ 45  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 46  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 47  Records and evidence\n(1) The Policyholder should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 48  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 49  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 50  Contents temporarily removed\n(1) The Policyholder's contents are covered while temporarily removed from the home to another building in the same country, for up to 60 days.\n(2) Contents in a student hall of residence are covered only if the student is a member of the Policyholder's family.\n\n§ 51  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n=== CLAIM ===\nClaim summary: Yusuf Costa; policy H968221; policy start 17 May 2026; schedule covers Theft, Escape of Water, Flood; extensions none. Section claimed: Accidental Damage, for a television. Incident date 5 September 2026; notified 30 November 2026; assessed loss $2,404. Facts: Yusuf knocked the television over while moving furniture. Yusuf works from home three days a week. The building is a converted warehouse with six flats. Yusuf has lived at the property for four years.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"not_covered": "Decline: Accidental Damage is not a cover shown in the schedule", "deny_wear_home": "Decline under the wear and tear exclusion (§ 3(5))", "deny_pets": "Decline under the pets exclusion (§ 3(4))", "deny_waiting": "Decline: the incident happened during the waiting period (§ 6(2))", "pay_sublimit": "Pay up to the Portable electronics sublimit (§ 3(3))"}, "src": "hard_long_policy", "label": "not_covered"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$1,900", "b": "$2,404", "c": "$0", "d": "$2,304", "e": "$2,000"}, "src": "hard_long_policy", "label": "c"}}, "_meta": {"id": "hard-v1/long_policy/development/00004", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00004", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "home", "target": "not_covered", "category": "accidental", "tempting": null, "facts": {"domain": "home", "fee_order": "after", "notice_days": 90, "categories": {"theft": {"limit": 10000, "fee": 100, "waiting": 0, "purchased": true}, "water": {"limit": 15000, "fee": 500, "waiting": 0, "purchased": true}, "accidental": {"limit": 2000, "fee": 100, "waiting": 0, "purchased": false}, "flood": {"limit": 40000, "fee": 500, "waiting": 60, "purchased": true}}, "classes": {"high_risk": {"category": "theft", "cap": 1000}, "bicycles": {"category": "theft", "cap": 500}, "art": {"category": "water", "cap": 1000}, "portable": {"category": "accidental", "cap": 500}, "garden": {"category": "flood", "cap": 1000}}, "exclusions": [{"key": "unoccupied", "categories": ["theft"], "kind": "threshold", "thr": 45, "cmp": "gt", "has_exception": false}, {"key": "no_forced_entry", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "outbuilding", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "gradual", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "sealant", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pets", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear_home", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "flood_warning", "categories": ["flood"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "accidental", "item": "the television", "item_class": null, "loss_cents": 240400, "start": "2026-05-17", "incident": "2026-09-05", "reported": "2026-11-30", "conditions": {}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"not_covered": "not_covered", "deny_wear_home": "deny_wear_home", "deny_pets": "deny_pets", "deny_waiting": "deny_waiting", "pay_sublimit": "pay_sublimit"}, "amount": {"a": 190000, "b": 240400, "c": 0, "d": 230400, "e": 200000}}}, "text_sha256": "943abb1529346d0452e69cd3e0f68854734817014e8c81b27b331979fa74667e", "state_tokens": 4155}}
{"state": "MEMO\nRe: Tenure\n\nEmployees are eligible for a sabbatical once they have completed 2 years of continuous employment with the company on the date they apply. Leila Laine applied for the sabbatical on 24 March 2025. Leila joined the company on 20 September 2021.\n\nLeila moved to the Mobile team on 30 May 2022. Leila's manager supports the application.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "not_eligible": "Not yet eligible", "eligible": "Eligible for the sabbatical"}, "src": "hard_ambiguous", "label": "eligible"}}, "_meta": {"id": "hard-v1/ambiguous/development/00086", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00086", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "tenure", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "tenure", "insufficient_key": "not_enough_information", "params": {"years": 2, "apply": "2025-03-24", "hired": "2021-09-20", "moved": "2022-05-30"}, "deciding_present": true, "options_q": {"decision": {"not_enough_information": "not_enough_information", "not_eligible": "not_eligible", "eligible": "eligible"}}}, "text_sha256": "9eff48620b8ee53e3d628ee4055075ed5928745dd2914e49293a77ba43152927", "state_tokens": 99}}
{"state": "MEMO\nRe: Alert precision\n\nA churn model marks customers as at risk. Historically, three percent of customers are going to cancel within 90 days. When one of the customers is going to cancel within 90 days, the system marks it ninety-eight percent of the time.\n\nWhen one of the customers is not going to cancel within 90 days, the system still marks it ten percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that one of the customers that the system has marked is actually going to cancel within 90 days?", "criteria": {"a": "90.0%", "b": "3.0%", "c": "98.0%", "d": "23.3%", "e": "2.9%"}, "src": "hard_probability", "label": "d"}, "more_likely": {"type": "noul", "instructions": "Per the figures given, Is one of the customers that the system has marked more likely than not to be going to cancel within 90 days?", "src": "hard_probability", "label": false}}, "_meta": {"id": "hard-v1/probability/development/00062", "source": "hard_probability", "group_id": "hard-v1/probability/development/00062", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "bayes", "facts": {"kind": "bayes", "p": {"base": "3/100", "sens": "98/100", "fpr": "10/100"}, "options_q": {"value": {"a": 900, "b": 30, "c": 980, "d": 233, "e": 29}}, "qid2": "more_likely"}, "text_sha256": "b0841420dd62ddd619bccd85522f1107289d1a7cc1a132c6d2d215cf16dc78d1", "state_tokens": 88}}
{"state": "MEMO\nRe: Subscription cancellation\n\nA customer paid $3,650.00 for an annual plan running from 26 January 2026 up to (but not including) 26 January 2027. They cancelled on 18 February 2026. Refund rule: refund the annual price multiplied by the number of unused days and divided by the number of days in the plan year; the cancellation day counts as used. Round to the nearest cent.", "questions": {"refund": {"type": "choice", "instructions": "Refund due:", "criteria": {"a": "$3,345.83", "b": "$3,410.00", "c": "$3,400.68", "d": "$3,420.00", "e": "$240.00"}, "src": "hard_temporal_numeric", "label": "b"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00008", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00008", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "prorata", "leap": false, "facts": {"kind": "prorata", "start": "2026-01-26", "end": "2027-01-26", "cancel": "2026-02-18", "price_cents": 365000, "options_q": {"refund": {"a": 334583, "b": 341000, "c": 340068, "d": 342000, "e": 24000}}}, "text_sha256": "420c7fc10615c5e6252bbb54e1dd65049b6ee0f7017767441389b42f3e15db78", "state_tokens": 105}}
{"state": "MEMO\nRe: Reliability estimate\n\nA checkout succeeds only if all 3 independent steps succeed: the warehouse API, the tax service, the courier booking. The warehouse API succeeds sixty percent of the time. The tax service succeeds ninety-two percent of the time.\n\nThe courier booking succeeds seventy percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that a checkout succeeds?", "criteria": {"a": "60.0%", "b": "38.6%", "c": "99.0%", "d": "61.4%", "e": "1.0%"}, "src": "hard_probability", "label": "b"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that a checkout succeeds?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 2}}, "_meta": {"id": "hard-v1/probability/development/00086", "source": "hard_probability", "group_id": "hard-v1/probability/development/00086", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "independent", "facts": {"kind": "independent", "p": {}, "ps": ["60/100", "92/100", "70/100"], "ask": "all", "options_q": {"value": {"a": 600, "b": 386, "c": 990, "d": 614, "e": 10}}, "qid2": "bucket"}, "text_sha256": "2308b5b4e20868510374d7bf942a7766e707aea759b058e15495bc0c3700c0e3", "state_tokens": 65}}
{"state": "SPEC SHEET: an office lease for the new Leeds team\nCanal Wharf | monthly rent=$13,700 | average commute=49 minutes | capacity=37 desks | on-site parking=yes | step-free access=yes\nStation House | monthly rent=$9,600 | average commute=22 minutes | capacity=66 desks | on-site parking=yes | step-free access=no\nPark Row | monthly rent=$12,800 | average commute=24 minutes | capacity=30 desks | on-site parking=no | step-free access=yes\nWellington Place | monthly rent=$4,500 | average commute=46 minutes | capacity=57 desks | on-site parking=no | step-free access=yes\nAlbion Court | monthly rent=$14,800 | average commute=34 minutes | capacity=58 desks | on-site parking=no | step-free access=yes\nR1: its capacity must be at least 66 desks\nSelection: Among the options that meet every requirement, choose the one with the lowest average commute; if two or more are tied on average commute, choose the one with the lowest monthly rent.", "questions": {"choice": {"type": "choice", "instructions": "Which office best satisfies the brief?", "criteria": {"canal_wharf": null, "station_house": null, "albion_court": null, "none_qualifies": "Reject all options: none meets the requirements", "park_row": null, "wellington_place": null}, "src": "hard_tradeoff", "label": "station_house"}, "meets": {"type": "noul", "instructions": "Does Park Row pass the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00079", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00079", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "office", "none_case": false, "facts": {"rule": "lex", "options": {"Canal Wharf": {"cost": 13700, "commute": 49, "desks": 37, "parking": true, "access": true}, "Station House": {"cost": 9600, "commute": 22, "desks": 66, "parking": true, "access": false}, "Park Row": {"cost": 12800, "commute": 24, "desks": 30, "parking": false, "access": true}, "Wellington Place": {"cost": 4500, "commute": 46, "desks": 57, "parking": false, "access": true}, "Albion Court": {"cost": 14800, "commute": 34, "desks": 58, "parking": false, "access": true}}, "constraints": [{"attr": "desks", "op": ">=", "value": 66}], "priority": [["commute", "lower"], ["cost", "lower"]], "weights": {}, "years": null, "check": "Park Row", "options_q": {"choice": {"canal_wharf": "canal_wharf", "station_house": "station_house", "albion_court": "albion_court", "none_qualifies": "none_qualifies", "park_row": "park_row", "wellington_place": "wellington_place"}}}, "text_sha256": "61b9b027cf9b658aa7f8e9c62e28f3a6be6eed57fbe67ad946a3e325e3ea085e", "state_tokens": 248}}
{"state": "MEMO\nRe: Outage: payments-gateway\n\nOutages propagate along hard dependencies: if a service goes down, every service that depends on it, directly or through other hard dependencies, is affected. Soft dependencies do not propagate outages. payments-gateway depends on user-profile. notification-hub depends on payments-gateway (soft dependency: it degrades gracefully and keeps working if payments-gateway is down).\n\nsession-cache depends on billing-api. order-queue depends on inventory-db. search-indexer depends on email-relay.\n\nbilling-api depends on reporting-etl. reporting-etl depends on payments-gateway. email-relay depends on inventory-db.\n\npayments-gateway is currently down.", "questions": {"affected": {"type": "choice", "instructions": "Which of these will the outage reach?", "criteria": {"order_queue": null, "session_cache": null, "notification_hub": null, "user_profile": null}, "src": "hard_multi_hop", "label": "session_cache"}}, "_meta": {"id": "hard-v1/multi_hop/development/00063", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00063", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "deps", "hops": 3, "soft": true, "facts": {"kind": "deps", "edges": [["reporting-etl", "payments-gateway", false], ["billing-api", "reporting-etl", false], ["session-cache", "billing-api", false], ["payments-gateway", "user-profile", false], ["email-relay", "inventory-db", false], ["order-queue", "inventory-db", false], ["notification-hub", "payments-gateway", true], ["search-indexer", "email-relay", false]], "down": "payments-gateway", "candidates": ["session-cache", "user-profile", "order-queue", "notification-hub"], "options_q": {"affected": {"order_queue": "order_queue", "session_cache": "session_cache", "notification_hub": "notification_hub", "user_profile": "user_profile"}}}, "text_sha256": "f7553ff6d04b8d291844bae18176229243ef9cf6fe019c313424d59e4a5f3869", "state_tokens": 143}}
{"state": "MEMO\nRe: Comparing odds\n\nThere is a seventy-five percent chance that the audit finds no issues. There is a eighty-five percent chance that the supplier delivers on time; these two are independent. There is a ninety-nine percent chance that a new customer renews after the trial.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which is more likely?", "criteria": {"second_event": "That a new customer renews after the trial", "equally_likely": "They are equally likely", "first_event": "At least one of these happens: the audit finds no issues, or the supplier delivers on time"}, "src": "hard_probability", "label": "second_event"}}, "_meta": {"id": "hard-v1/probability/development/00000", "source": "hard_probability", "group_id": "hard-v1/probability/development/00000", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "compare", "facts": {"kind": "compare", "p": {}, "a": {"op": "or", "p1": "75/100", "p2": "85/100"}, "b": "99/100", "options_q": {"choice": {"second_event": "second_event", "equally_likely": "equally_likely", "first_event": "first_event"}}}, "text_sha256": "59a394b91bba1a2bc26a83a5289cd2faba55af52f3a54ab5e9eb665f98e25ad5", "state_tokens": 59}}
{"state": "MEMO\nRe: Comparing odds\n\nThere is a forty-five percent chance that the ad campaign beats its target. There is a fifty-five percent chance that the server patch installs without errors; these two are independent. There is a eighty-three percent chance that the supplier delivers on time.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which is more likely?", "criteria": {"equally_likely": "They are equally likely", "first_event": "At least one of these happens: the ad campaign beats its target, or the server patch installs without errors", "second_event": "That the supplier delivers on time"}, "src": "hard_probability", "label": "second_event"}}, "_meta": {"id": "hard-v1/probability/development/00035", "source": "hard_probability", "group_id": "hard-v1/probability/development/00035", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "compare", "facts": {"kind": "compare", "p": {}, "a": {"op": "or", "p1": "45/100", "p2": "55/100"}, "b": "83/100", "options_q": {"choice": {"equally_likely": "equally_likely", "first_event": "first_event", "second_event": "second_event"}}}, "text_sha256": "976c0b127bbad5c4be5e02a342f0bbb084338ebc52cf51044f5556b81e2c4e11", "state_tokens": 58}}
{"state": "DEVICE PROTECTION PLAN TERMS\nIssued by Voltguard Protection Ltd\nIn this policy, \"the Provider\" means Voltguard Protection Ltd and \"the Customer\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Accessories means cases, chargers, earbuds and styluses.\n(2) Accessories means cases, chargers and earbuds.\n(3) Authorised repairer means a repairer approved in writing by the Provider.\n(4) Battery replacement means replacement batteries and battery repairs.\n(5) Breakdown means the failure of a part to work as the manufacturer intended, from an internal electrical or mechanical fault.\n(6) Device means the item shown in the schedule, bought new from an authorised retailer.\n(7) Family means the Customer's spouse or partner and any children who live with the Customer.\n(8) Manufacturer's warranty period means the first 24 months after the device was bought.\n(9) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(10) Schedule means the document issued with this policy that shows the Customer's details, the covers the Customer bought and any extensions.\n(11) Wearables means smartwatches and fitness trackers.\n\n§ 2  Limits and service fee\n(1) Accidental Damage: limit $1,500 per incident; service fee $99 per claim.\n(2) Breakdown: limit $1,500 per incident; service fee $49 per claim.\n(3) Theft and Loss: limit $1,200 per incident; service fee $99 per claim.\n(4) The service fee is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Accidental Damage\n(1) The Provider will repair or replace the Customer's device if it is accidentally damaged.\n(2) The most the Provider will pay for Accessories under this section is $50 per incident.\n(3) The most the Provider will pay for Wearables under this section is $300 per incident.\n(4) The Provider will not pay for cosmetic damage, such as scratches or dents, that does not affect how the device works.\n(5) The Provider will not pay for damage following a repair by anyone other than the Provider or an authorised repairer. This exclusion does not apply if the Provider approved the repair in writing beforehand.\n\n§ 4  Breakdown\n(1) The Provider will repair or replace the Customer's device if it stops working because of an electrical or mechanical fault.\n(2) No cover applies under this section to any incident that happens within the first 30 days after the policy start date.\n(3) The most the Provider will pay for Battery replacement under this section is $120 per incident.\n(4) The Provider will not pay for breakdowns during the manufacturer's warranty period.\n(5) The Provider will not pay for breakdown caused by liquid getting into the device.\n\n§ 5  Optional cover: Theft and Loss\n(1) The Provider will replace the Customer's device if it is stolen or lost.\n(2) This section applies only if it is shown as purchased in the Customer's schedule.\n(3) The most the Provider will pay for Accessories under this section is $50 per incident.\n(4) The Provider will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Provider will not pay for theft that was not reported to the police.\n\n§ 6  General exclusions\n(1) The Provider will not pay for any deliberate or criminal act by the Customer.\n(2) The Provider will not pay for loss caused by nuclear radiation or radioactive contamination.\n(3) The Provider will not pay for loss of value or loss of use that does not involve physical loss or damage.\n\n§ 7  Making a claim\n(1) The Customer must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Customer must notify the Provider of a claim within 14 days of the incident. The Provider will not pay any claim notified after that time.\n(3) The Provider may appoint a loss adjuster to investigate any claim.\n\n§ 8  Subrogation\n(1) The Provider will be entitled to take over and conduct in the Customer's name the defence or settlement of any claim.\n(2) The Provider can take action in the Customer's name to recover any payment the Provider makes from anyone responsible for the loss.\n\n§ 9  Notices\n(1) Any notice the Provider gives under this policy will be sent to the most recent postal or email address the Provider holds.\n(2) Notices from the Customer should be sent to the address shown in the schedule.\n\n§ 10  Premium payment\n(1) The Customer must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Provider may cancel the policy after giving notice.\n\n§ 11  Repair process\n(1) After a claim is accepted, the Provider will send a prepaid mailer or book a courier collection.\n(2) The Provider aims to return repaired devices within 5 business days of receiving them.\n\n§ 12  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 13  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Provider will pay only the Provider's proportionate share.\n(2) The Customer must tell the Provider about any other insurance that covers the same loss when the Customer makes a claim.\n\n§ 14  Cancellation\n(1) The Customer can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Customer can cancel at any time; the Provider will refund the premium for the unexpired period less an administration charge of $15.\n(3) The Provider can cancel this policy by giving the Customer 30 days' written notice to the last address the Provider holds.\n\n§ 15  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Provider may adjust the premium from the date of the change.\n\n§ 16  Renewal\n(1) The Provider will write to the Customer at least 21 days before the end of the policy period with the renewal terms.\n(2) The Provider is not obliged to offer renewal.\n\n§ 17  Customer support\n(1) The Provider's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Customer can leave a message and the Provider will call back on the next working day.\n\n§ 18  Replacement devices\n(1) If the Provider cannot repair the Customer's device economically, the Provider will replace it with a replacement device.\n(2) Replacement devices may be a different colour and may be refurbished to an as-new standard.\n(3) Accessories are replaced only if they were lost or damaged in the same incident as the device.\n\n§ 19  Compensation scheme\n(1) The Provider is covered by a financial services compensation scheme.\n(2) If the Provider cannot meet the Provider's obligations, the Customer may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 20  Electronic documents\n(1) The Provider will send documents by email unless the Customer asks for paper copies.\n(2) The Customer must tell the Provider if the Customer's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 21  Waiver\n(1) If the Provider does not enforce any term of this policy, that does not mean the Provider has given up the right to enforce it later.\n\n§ 22  Environmental commitment\n(1) Where practical, the Provider will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Customer may ask for a new part instead, and the Provider will tell the Customer whether any additional cost would apply.\n\n§ 23  Market conditions\n(1) If the replacement item is no longer available, the Provider will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 24  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Provider may charge the premium without the discount from that date.\n\n§ 25  Arbitration\n(1) If the Provider accepts a claim but disagree with the Customer about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Provider.\n\n§ 26  Assignment\n(1) The Customer cannot transfer the Customer's interest in this policy to anyone else without the Provider's written consent.\n\n§ 27  Reasonable precautions\n(1) The Customer must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Customer must take reasonable steps to recover lost or stolen property.\n\n§ 28  Change of address\n(1) The Customer must tell the Provider within 30 days if the Customer changes the Customer's address.\n(2) The Provider may change the premium or the terms from the date of the move.\n\n§ 29  Unrecoverable devices\n(1) If a device is found after the Provider has replaced it, the found device becomes the Provider's property and must be sent to the Provider.\n(2) The Provider may block devices reported as lost or stolen so that they cannot be used on mobile networks.\n\n§ 30  Inflation\n(1) The Provider may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Customer's renewal documents; limits do not change during a policy period.\n\n§ 31  Third-party administrators\n(1) The Provider may appoint another company to handle claims or other services on the Provider's behalf.\n(2) Any company the Provider appoints must follow the terms of this policy and applicable data protection law.\n\n§ 32  Transferring the plan\n(1) The Customer may transfer the plan to a new owner of the device by telling the Provider in writing.\n(2) The remaining term of the plan transfers with the device; the term does not restart.\n\n§ 33  Software support\n(1) The Provider's helpline can give advice on setting up and using the Customer's device.\n(2) Software support does not include fixing problems caused by third-party apps or unofficial operating systems.\n\n§ 34  Interest\n(1) The Provider will not pay interest on any claim payment unless the law requires it.\n\n§ 35  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 36  Data and backups\n(1) The Provider is not responsible for recovering or restoring any data, software or settings stored on the Customer's device.\n(2) The Customer should back up the Customer's data regularly and before sending the device for repair.\n\n§ 37  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 38  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 39  Records and evidence\n(1) The Customer should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Provider may base any settlement on the price of a comparable item.\n(3) The Provider may ask for evidence of how and when an item was acquired.\n\n§ 40  Salvage\n(1) When the Provider replaces an item, the damaged or recovered item becomes the Provider's property.\n(2) If stolen property is recovered after the Provider has paid a claim, the Customer must tell the Provider and either return the payment or give the Provider the property.\n\n§ 41  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Provider will not pay the claim and all cover under this policy may be cancelled.\n(2) The Provider may share information with fraud prevention agencies and other insurers.\n\n§ 42  Exchange of information\n(1) To prevent fraud, the Provider may check the details the Customer gives against public records and industry databases.\n(2) The Provider may contact previous insurers to confirm the Customer's claims history.\n\n§ 43  Changes in circumstances\n(1) The Customer must tell the Provider as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Provider may then change the premium or the terms of this policy, or cancel it.\n\n§ 44  Instalment agreements\n(1) If the Customer pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 45  Sanctions\n(1) The Provider will not provide cover or pay any claim to the extent that doing so would expose the Provider to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 46  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 47  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 48  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 49  Claims documents\n(1) The Customer must provide, at the Customer's own expense, original receipts, invoices, reports and any other evidence the Provider reasonably ask for.\n(2) The Provider may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 50  Complaints\n(1) If the Customer has a complaint, the Customer should first contact the Provider's customer relations team, quoting the policy number.\n(2) The Provider will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Customer remains dissatisfied, the Customer may be able to refer the complaint to an independent ombudsman service.\n\n§ 51  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 52  Communication\n(1) The Provider will communicate with the Customer in English.\n(2) The Provider may record telephone calls for training and quality purposes.\n\n§ 53  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 54  Recovery of costs\n(1) If the Provider pays a claim that is later found not to be covered, the Provider may ask the Customer to repay the amount.\n\n§ 55  Duty of fair presentation\n(1) The Customer must answer all questions the Provider asks honestly and to the best of the Customer's knowledge.\n(2) If the Customer gives incorrect information deliberately or recklessly, the Provider may treat this policy as if it never existed and keep the premium.\n(3) If the Customer gives incorrect information carelessly, the Provider may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 56  Payment of claims\n(1) The Provider will pay claims by bank transfer to an account in the Customer's name.\n(2) The Provider aims to pay accepted claims within 5 working days of receiving all the documents the Provider needs.\n\n§ 57  Automatic renewal\n(1) Unless the Customer tells the Provider otherwise, this policy will renew automatically at the end of the policy period using the payment details the Provider holds.\n(2) The Customer can switch off automatic renewal at any time by contacting the Provider's helpline.\n\n§ 58  Cooperation\n(1) The Customer must give the Provider all the help and information the Provider reasonably need to settle a claim.\n(2) The Customer must not admit liability or offer to settle any claim without the Provider's written permission.\n\n§ 59  Data protection\n(1) The Provider will use the personal information the Customer provides to administer this policy and to handle claims.\n(2) The Provider will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Customer can ask for a copy of the personal information the Provider holds by writing to the Provider's data protection officer.\n\n=== CLAIM ===\nClaim summary: Owen Ortiz; policy B272024; policy start 8 June 2026; schedule covers Accidental Damage, Breakdown, Theft and Loss; extensions none. Section claimed: Breakdown, for a smartphone battery that no longer holds a charge. Incident date 7 February 2027; notified 8 February 2027; assessed loss $195. Facts: The device was bought 25 months before it broke down. The technician found signs of liquid inside the device. The retailer's receipt was uploaded with the claim.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_liquid": "Decline under the liquid damage exclusion (§ 4(5))", "pay_sublimit": "Pay up to the Battery replacement sublimit (§ 4(3))", "deny_manufacturer_warranty": "Decline under the manufacturer's warranty period exclusion (§ 4(4))", "deny_waiting": "Decline: the incident happened during the waiting period (§ 4(2))", "not_covered": "Decline: Breakdown is not a cover shown in the schedule"}, "src": "hard_long_policy", "label": "deny_liquid"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$1,451", "b": "$0", "c": "$71", "d": "$146", "e": "$120"}, "src": "hard_long_policy", "label": "b"}}, "_meta": {"id": "hard-v1/long_policy/development/00045", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00045", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "device", "target": "deny_exclusion", "category": "breakdown", "tempting": "manufacturer_warranty", "facts": {"domain": "device", "fee_order": "before", "notice_days": 14, "categories": {"accidental_damage": {"limit": 1500, "fee": 99, "waiting": 0, "purchased": true}, "breakdown": {"limit": 1500, "fee": 49, "waiting": 30, "purchased": true}, "theft_loss": {"limit": 1200, "fee": 99, "waiting": 0, "purchased": true}}, "classes": {"accessories": {"category": "accidental_damage", "cap": 50}, "wearables": {"category": "accidental_damage", "cap": 300}, "battery": {"category": "breakdown", "cap": 120}, "accessories_tl": {"category": "theft_loss", "cap": 50}}, "exclusions": [{"key": "cosmetic_damage", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unauthorised_repair", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "manufacturer_warranty", "categories": ["breakdown"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}, {"key": "liquid", "categories": ["breakdown"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unattended", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "no_police_report", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "breakdown", "item": "the battery", "item_class": "battery", "loss_cents": 19500, "start": "2026-06-08", "incident": "2027-02-07", "reported": "2027-02-08", "conditions": {"liquid": true}, "values": {"manufacturer_warranty": 25}, "exceptions": {}}, "options_q": {"outcome": {"deny_liquid": "deny_liquid", "pay_sublimit": "pay_sublimit", "deny_manufacturer_warranty": "deny_manufacturer_warranty", "deny_waiting": "deny_waiting", "not_covered": "not_covered"}, "amount": {"a": 145100, "b": 0, "c": 7100, "d": 14600, "e": 12000}}}, "text_sha256": "5f88af050741d65aafbebeba42b90d32a07c3c98b3270f32f927cbcc9d72cc4f", "state_tokens": 4024}}
{"state": "REVIEW REQUEST\nItem: An order has 9 notebooks at $39.25 each and 5 desk lamps at $140.46 each. A 25% discount applies to the whole order, and then 5% sales tax is added. What is the final total, to the nearest cent?\nSubmitted result: Pretty sure it's $831.25", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$388.80", "b": "$844.44", "c": "$1,015.60", "d": "$831.25", "e": "$791.66"}, "src": "hard_judge", "label": "d"}}, "_meta": {"id": "hard-v1/judge/development/00001", "source": "hard_judge", "group_id": "hard-v1/judge/development/00001", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "order", "error": null, "facts": {"kind": "order", "args": {"q1": 9, "p1": "157/4", "q2": 5, "p2": "7023/50", "d": "1/4", "tax": "1/20"}, "dp": 2, "proposed": 83125, "error": null, "options_q": {"value": {"a": 38880, "b": 84444, "c": 101560, "d": 83125, "e": 79166}}}, "text_sha256": "caa07014384d9c218974a3bbcba534c5de504e7af1c2ccec0b8d554492e46b89", "state_tokens": 83}}
{"state": "SPEC SHEET: an office lease for the new Leeds team\nStation House | monthly rent=$8,100 | average commute=69 minutes | capacity=38 desks | on-site parking=yes | step-free access=no\nAlbion Court | monthly rent=$12,100 | average commute=63 minutes | capacity=75 desks | on-site parking=yes | step-free access=yes\nWellington Place | monthly rent=$11,300 | average commute=21 minutes | capacity=75 desks | on-site parking=no | step-free access=no\nR1: its average commute must be at most 66 minutes\nSelection: Among the options that meet every requirement, choose the one with the highest capacity; if two or more are tied on capacity, choose the one with the lowest monthly rent.", "questions": {"choice": {"type": "choice", "instructions": "Which office best satisfies the brief?", "criteria": {"none_qualifies": "Reject all options: none meets the requirements", "wellington_place": null, "albion_court": null, "station_house": null}, "src": "hard_tradeoff", "label": "wellington_place"}, "meets": {"type": "noul", "instructions": "Does Station House pass the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00046", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00046", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "office", "none_case": false, "facts": {"rule": "lex", "options": {"Station House": {"cost": 8100, "commute": 69, "desks": 38, "parking": true, "access": false}, "Albion Court": {"cost": 12100, "commute": 63, "desks": 75, "parking": true, "access": true}, "Wellington Place": {"cost": 11300, "commute": 21, "desks": 75, "parking": false, "access": false}}, "constraints": [{"attr": "commute", "op": "<=", "value": 66}], "priority": [["desks", "higher"], ["cost", "lower"]], "weights": {}, "years": null, "check": "Station House", "options_q": {"choice": {"none_qualifies": "none_qualifies", "wellington_place": "wellington_place", "albion_court": "albion_court", "station_house": "station_house"}}}, "text_sha256": "79016d5021e4e953c7e81596b759ce015698756595007599aab26737ea1522fb", "state_tokens": 174}}
{"state": "MEMO\nRe: Project funding decision\n\nThe planning team must fund exactly one of 4 projects and wants the highest expected net value (expected payoff minus up-front cost). Project Cedar costs $20,000 up front and has a forty percent chance of a gain of $740,000; a forty-five percent chance of a gain of $150,000; a fifteen percent chance of a loss of $70,000. Project Beacon costs $30,000 up front and has a eighty percent chance of a gain of $670,000; a ten percent chance of a gain of $330,000; a ten percent chance of a gain of $320,000.\n\nProject Garnet costs $10,000 up front and has a fifteen percent chance of a gain of $660,000; a eighty-five percent chance of a gain of $30,000. Project Ember costs $120,000 up front and has a five percent chance of a gain of $480,000; a ninety-five percent chance of a gain of $290,000.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which project has the highest expected net value?", "criteria": {"project_garnet": null, "project_cedar": null, "project_beacon": null, "project_ember": null}, "src": "hard_probability", "label": "project_beacon"}, "value": {"type": "choice", "instructions": "Per the figures given, What is the expected net value of Project Garnet?", "criteria": {"a": "$124,500", "b": "$650,000", "c": "$104,500", "d": "$335,000", "e": "$114,500"}, "src": "hard_probability", "label": "e"}}, "_meta": {"id": "hard-v1/probability/development/00017", "source": "hard_probability", "group_id": "hard-v1/probability/development/00017", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "ev", "facts": {"kind": "ev", "p": {}, "projects": {"Project Cedar": {"outcomes": [["40/100", 740000], ["45/100", 150000], ["15/100", -70000]], "cost": 20000}, "Project Beacon": {"outcomes": [["80/100", 670000], ["10/100", 330000], ["10/100", 320000]], "cost": 30000}, "Project Garnet": {"outcomes": [["15/100", 660000], ["85/100", 30000]], "cost": 10000}, "Project Ember": {"outcomes": [["5/100", 480000], ["95/100", 290000]], "cost": 120000}}, "asked": "Project Garnet", "options_q": {"choice": {"project_garnet": "project_garnet", "project_cedar": "project_cedar", "project_beacon": "project_beacon", "project_ember": "project_ember"}, "value": {"a": 124500, "b": 650000, "c": 104500, "d": 335000, "e": 114500}}}, "text_sha256": "42dd9512a1706b7d6b4b47d14a091f1814493293fe122d8628c5fd80acf5dc73", "state_tokens": 265}}
{"state": "MEMO\nRe: Alert precision\n\nA security system raises alerts on login attempts. Historically, ten percent of login attempts are malicious. When one of the login attempts is malicious, the system raises an alert on it eighty-five percent of the time.\n\nWhen one of the login attempts is not malicious, the system still raises an alert on it twenty percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that one of the login attempts that the system has raised an alert on is actually malicious?", "criteria": {"a": "80.0%", "b": "85.0%", "c": "10.0%", "d": "8.5%", "e": "32.1%"}, "src": "hard_probability", "label": "e"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that one of the login attempts that the system has raised an alert on is malicious?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 2}}, "_meta": {"id": "hard-v1/probability/development/00031", "source": "hard_probability", "group_id": "hard-v1/probability/development/00031", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "bayes", "facts": {"kind": "bayes", "p": {"base": "10/100", "sens": "85/100", "fpr": "20/100"}, "options_q": {"value": {"a": 800, "b": 850, "c": 100, "d": 85, "e": 321}}, "qid2": "bucket"}, "text_sha256": "e549f62554994bc10c65fbc63cd0c7f8feb22b490c8f07aaf9b8ad4c0a11e0d3", "state_tokens": 76}}
{"state": "REVIEW REQUEST\nItem: Posts are placed every 3 metres along a straight 93-metre fence, with a post at both ends. How many posts are needed?\nSubmitted result: I think 32 posts", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "31 posts", "b": "32 posts", "c": "279 posts", "d": "33 posts"}, "src": "hard_judge", "label": "b"}}, "_meta": {"id": "hard-v1/judge/development/00039", "source": "hard_judge", "group_id": "hard-v1/judge/development/00039", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "fence", "error": null, "facts": {"kind": "fence", "args": {"length": 93, "gap": 3}, "dp": 0, "proposed": 32, "error": null, "options_q": {"value": {"a": 31, "b": 32, "c": 279, "d": 33}}}, "text_sha256": "df1cf7666c30f0213f39d7f83cd7af6491da9685056ebd38c00c5e706f7b8263", "state_tokens": 46}}
{"state": "SPEC SHEET: a laptop model for the staff hardware refresh\nSlate Pro | unit price=$770 | battery life=17 hours | weight=1.6 kg | three-year on-site warranty=no | built-in LTE=no\nAero 14 | unit price=$980 | battery life=16 hours | weight=2.4 kg | three-year on-site warranty=yes | built-in LTE=no\nVector X1 | unit price=$840 | battery life=12 hours | weight=1.5 kg | three-year on-site warranty=yes | built-in LTE=no\nKeystone 15 | unit price=$1,940 | battery life=6 hours | weight=2.3 kg | three-year on-site warranty=yes | built-in LTE=yes\nOrbit 13 | unit price=$910 | battery life=6 hours | weight=1.2 kg | three-year on-site warranty=no | built-in LTE=no\nR1: its unit price must be at most $800\nSelection: Among the options that meet every requirement, choose the one with the lowest weight; if two or more are tied on weight, choose the one with the lowest unit price.", "questions": {"choice": {"type": "choice", "instructions": "Which model best satisfies the brief?", "criteria": {"slate_pro": null, "aero_14": null, "keystone_15": null, "vector_x1": null, "orbit_13": null}, "src": "hard_tradeoff", "label": "slate_pro"}, "meets": {"type": "noul", "instructions": "Does Keystone 15 meet every hard requirement?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00047", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00047", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "model", "none_case": false, "facts": {"rule": "lex", "options": {"Slate Pro": {"cost": 770, "battery": 17, "weight": 16, "warranty": false, "lte": false}, "Aero 14": {"cost": 980, "battery": 16, "weight": 24, "warranty": true, "lte": false}, "Vector X1": {"cost": 840, "battery": 12, "weight": 15, "warranty": true, "lte": false}, "Keystone 15": {"cost": 1940, "battery": 6, "weight": 23, "warranty": true, "lte": true}, "Orbit 13": {"cost": 910, "battery": 6, "weight": 12, "warranty": false, "lte": false}}, "constraints": [{"attr": "cost", "op": "<=", "value": 800}], "priority": [["weight", "lower"], ["cost", "lower"]], "weights": {}, "years": null, "check": "Keystone 15", "options_q": {"choice": {"slate_pro": "slate_pro", "aero_14": "aero_14", "keystone_15": "keystone_15", "vector_x1": "vector_x1", "orbit_13": "orbit_13"}}}, "text_sha256": "2ac22bc1a2e16bf9d90db494adb387a60c0c7050a1798042a021bae16a39d2f9", "state_tokens": 255}}
{"state": "SPEC SHEET: a managed database service for the orders system\nWren Cloud SQL | monthly cost=$3,300 | write latency=24 ms | recovery point objective=17 minutes | point-in-time recovery=no | multi-region replicas=yes\nLumen Data | monthly cost=$2,250 | write latency=20 ms | recovery point objective=54 minutes | point-in-time recovery=no | multi-region replicas=yes\nGranite DB | monthly cost=$3,000 | write latency=6 ms | recovery point objective=5 minutes | point-in-time recovery=no | multi-region replicas=no\nTideDB | monthly cost=$2,400 | write latency=15 ms | recovery point objective=11 minutes | point-in-time recovery=yes | multi-region replicas=no\nQuarry SQL | monthly cost=$3,650 | write latency=37 ms | recovery point objective=14 minutes | point-in-time recovery=yes | multi-region replicas=yes\nR1: it must offer multi-region replicas\nR2: its monthly cost must be at most $3,150\nSelection: Among the options that meet every requirement, choose the one with the lowest recovery point objective; if two or more are tied on recovery point objective, choose the one with the lowest write latency.", "questions": {"choice": {"type": "choice", "instructions": "Which service best satisfies the brief?", "criteria": {"lumen_data": null, "granite_db": null, "quarry_sql": null, "wren_cloud_sql": null, "tidedb": null}, "src": "hard_tradeoff", "label": "lumen_data"}, "meets": {"type": "noul", "instructions": "Does Wren Cloud SQL pass the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00068", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00068", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "service", "none_case": false, "facts": {"rule": "lex", "options": {"Wren Cloud SQL": {"cost": 3300, "latency": 24, "rpo": 17, "pitr": false, "multiregion": true}, "Lumen Data": {"cost": 2250, "latency": 20, "rpo": 54, "pitr": false, "multiregion": true}, "Granite DB": {"cost": 3000, "latency": 6, "rpo": 5, "pitr": false, "multiregion": false}, "TideDB": {"cost": 2400, "latency": 15, "rpo": 11, "pitr": true, "multiregion": false}, "Quarry SQL": {"cost": 3650, "latency": 37, "rpo": 14, "pitr": true, "multiregion": true}}, "constraints": [{"attr": "multiregion", "op": "is", "value": true}, {"attr": "cost", "op": "<=", "value": 3150}], "priority": [["rpo", "lower"], ["latency", "lower"]], "weights": {}, "years": null, "check": "Wren Cloud SQL", "options_q": {"choice": {"lumen_data": "lumen_data", "granite_db": "granite_db", "quarry_sql": "quarry_sql", "wren_cloud_sql": "wren_cloud_sql", "tidedb": "tidedb"}}}, "text_sha256": "9e8016ce8f843f3d7ee6971a384899da53ebf8753e400350e384da35887eae76", "state_tokens": 274}}
{"state": "SINGLE-TRIP TRAVEL PROTECTION PLAN\nIssued by Northstar Underwriting\nIn this policy, \"the Insurer\" means Northstar Underwriting and \"the Insured Person\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Dental treatment means treatment of the teeth or gums.\n(2) Hazardous activity means skydiving, motor racing, or trekking or climbing above 4,500 metres.\n(3) Physiotherapy means treatment of muscles and joints by a physiotherapist.\n(4) Policy period means twelve months from the policy start date shown in the Insured Person's schedule.\n(5) Pre-existing condition means any illness or injury for which the Insured Person received treatment or advice in the 6 months before the policy start date.\n(6) Schedule means the document issued with this policy that shows the Insured Person's details, the covers the Insured Person bought and any extensions.\n\n§ 2  Limits and excess\n(1) Baggage and Personal Belongings: limit $2,000 per incident; excess $50 per claim.\n(2) Emergency Medical Expenses: limit $10,000 per incident; excess $250 per claim.\n(3) Trip Cancellation: limit $2,000 per incident; excess $100 per claim.\n(4) Travel Delay: limit $500 per incident; excess $50 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Emergency Medical Expenses\n(1) The Insurer will pay reasonable and necessary emergency medical costs incurred during the trip.\n(2) The most the Insurer will pay for Dental treatment under this section is $250 per incident.\n(3) The most the Insurer will pay for Physiotherapy under this section is $500 per incident.\n(4) The Insurer will not pay for treatment of a pre-existing condition.\n(5) The Insurer will not pay for injury or illness arising from a hazardous activity. This exclusion does not apply if the Adventure Sports extension is shown in the Insured Person's schedule.\n(6) The Insurer will not pay for any claim arising from the Insured Person's being under the influence of alcohol or drugs.\n\n§ 4  General exclusions\n(1) The Insurer will not pay for any deliberate or criminal act by the Insured Person.\n(2) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n(3) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n\n§ 5  Making a claim\n(1) The Insured Person must notify the Insurer of a claim within 90 days of the incident. The Insurer will not pay any claim notified after that time.\n(2) The Insurer may appoint a loss adjuster to investigate any claim.\n(3) The Insured Person must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 6  Change of address\n(1) The Insured Person must tell the Insurer within 30 days if the Insured Person changes the Insured Person's address.\n(2) The Insurer may change the premium or the terms from the date of the move.\n\n§ 7  Instalment agreements\n(1) If the Insured Person pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 8  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 9  Customer support\n(1) The Insurer's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Insured Person can leave a message and the Insurer will call back on the next working day.\n\n§ 10  Inflation\n(1) The Insurer may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Insured Person's renewal documents; limits do not change during a policy period.\n\n§ 11  Records and evidence\n(1) The Insured Person should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 12  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 13  Automatic renewal\n(1) Unless the Insured Person tells the Insurer otherwise, this policy will renew automatically at the end of the policy period using the payment details the Insurer holds.\n(2) The Insured Person can switch off automatic renewal at any time by contacting the Insurer's helpline.\n\n=== CLAIM ===\nClaim summary: Esme Haddad; policy P633224; policy start 14 December 2025; schedule covers Baggage and Personal Belongings, Emergency Medical Expenses, Trip Cancellation, Travel Delay; extensions none. Section claimed: Emergency Medical Expenses, for six physiotherapy sessions for a torn ligament. Incident date 28 July 2026; notified 20 August 2026; assessed loss $315. Facts: The problem began while Esme was trekking at an altitude of 3,220 metres. The hospital report records that Esme was heavily intoxicated when the problem began. The return flight was scheduled for the following week.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_less_fee": "Pay the assessed loss less the excess", "deny_intoxication": "Decline under the alcohol and drugs exclusion (§ 3(6))", "deny_late": "Decline: the claim was notified too late (§ 5(1))", "deny_pre_existing": "Decline under the pre-existing conditions exclusion (§ 3(4))", "not_covered": "Decline: Emergency Medical Expenses is not a cover shown in the schedule"}, "src": "hard_long_policy", "label": "deny_intoxication"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$250", "b": "$9,750", "c": "$65", "d": "$0", "e": "$315"}, "src": "hard_long_policy", "label": "d"}}, "_meta": {"id": "hard-v1/long_policy/development/00029", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00029", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "travel", "target": "deny_exclusion", "category": "medical", "tempting": null, "facts": {"domain": "travel", "fee_order": "before", "notice_days": 90, "categories": {"baggage": {"limit": 2000, "fee": 50, "waiting": 0, "purchased": true}, "medical": {"limit": 10000, "fee": 250, "waiting": 0, "purchased": true}, "cancellation": {"limit": 2000, "fee": 100, "waiting": 10, "purchased": true}, "delay": {"limit": 500, "fee": 50, "waiting": 0, "purchased": true}}, "classes": {"valuables": {"category": "baggage", "cap": 500}, "sports": {"category": "baggage", "cap": 450}, "dental": {"category": "medical", "cap": 250}, "physio": {"category": "medical", "cap": 500}, "excursions": {"category": "cancellation", "cap": 300}}, "exclusions": [{"key": "unattended", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "confiscation", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pre_existing", "categories": ["medical"], "kind": "threshold", "thr": 6, "cmp": "le", "has_exception": false}, {"key": "hazardous", "categories": ["medical"], "kind": "threshold", "thr": 4500, "cmp": "gt", "has_exception": true}, {"key": "intoxication", "categories": ["medical"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "known_event", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "change_of_mind", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "short_delay", "categories": ["delay"], "kind": "threshold", "thr": 6, "cmp": "le", "has_exception": false}], "case": {"category": "medical", "item": "the physiotherapy", "item_class": "physio", "loss_cents": 31500, "start": "2025-12-14", "incident": "2026-07-28", "reported": "2026-08-20", "conditions": {"intoxication": true}, "values": {"hazardous": 3220}, "exceptions": {}}, "options_q": {"outcome": {"pay_less_fee": "pay_less_fee", "deny_intoxication": "deny_intoxication", "deny_late": "deny_late", "deny_pre_existing": "deny_pre_existing", "not_covered": "not_covered"}, "amount": {"a": 25000, "b": 975000, "c": 6500, "d": 0, "e": 31500}}}, "text_sha256": "85847fe9e5bb12365f3dc3c1af99669bba84fc49a03bac8391453a88af446cd4", "state_tokens": 1356}}
{"state": "GADGET COVER: TERMS AND CONDITIONS\nIssued by Voltguard Protection Ltd\nIn this policy, \"the Provider\" means Voltguard Protection Ltd and \"the Customer\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Accessories means cases, chargers, earbuds and styluses.\n(2) Accessories means cases, chargers and earbuds.\n(3) Assessed loss means the cost of repair or replacement agreed by the Provider, before any service fee, limit or sublimit is applied.\n(4) Authorised repairer means a repairer approved in writing by the Provider.\n(5) Battery replacement means replacement batteries and battery repairs.\n(6) Business day means Monday to Friday, excluding public holidays.\n(7) Device means the item shown in the schedule, bought new from an authorised retailer.\n(8) Family means the Customer's spouse or partner and any children who live with the Customer.\n(9) Incident means a single event, or a series of events arising from one cause.\n(10) Limit means the most the Provider will pay for all claims under a section arising from one incident.\n(11) Manufacturer's warranty period means the first 24 months after the device was bought.\n(12) Policy period means twelve months from the policy start date shown in the Customer's schedule.\n(13) Premium means the amount the Customer must pay for this policy, including any taxes.\n(14) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(15) Schedule means the document issued with this policy that shows the Customer's details, the covers the Customer bought and any extensions.\n(16) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(17) Wearables means smartwatches and fitness trackers.\n\n§ 2  Limits and service fee\n(1) Accidental Damage: limit $1,200 per incident; service fee $99 per claim.\n(2) Breakdown: limit $1,500 per incident; service fee $49 per claim.\n(3) Theft and Loss: limit $800 per incident; service fee $99 per claim.\n(4) The service fee is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Payment of claims\n(1) The Provider will pay claims by bank transfer to an account in the Customer's name.\n(2) The Provider aims to pay accepted claims within 15 working days of receiving all the documents the Provider needs.\n\n§ 4  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 5  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 6  Records and evidence\n(1) The Customer should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Provider may base any settlement on the price of a comparable item.\n(3) The Provider may ask for evidence of how and when an item was acquired.\n\n§ 7  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Provider may adjust the premium from the date of the change.\n\n§ 8  Inflation\n(1) The Provider may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Customer's renewal documents; limits do not change during a policy period.\n\n§ 9  Optional cover: Theft and Loss\n(1) The Provider will replace the Customer's device if it is stolen or lost.\n(2) This section applies only if it is shown as purchased in the Customer's schedule.\n(3) The most the Provider will pay for Accessories under this section is $50 per incident.\n(4) The Provider will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Provider will not pay for theft that was not reported to the police.\n\n§ 10  Accidental Damage\n(1) The Provider will repair or replace the Customer's device if it is accidentally damaged.\n(2) The most the Provider will pay for Accessories under this section is $50 per incident.\n(3) The most the Provider will pay for Wearables under this section is $300 per incident.\n(4) The Provider will not pay for cosmetic damage, such as scratches or dents, that does not affect how the device works.\n(5) The Provider will not pay for damage following a repair by anyone other than the Provider or an authorised repairer. This exclusion does not apply if the Provider approved the repair in writing beforehand.\n\n§ 11  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 12  Interest\n(1) The Provider will not pay interest on any claim payment unless the law requires it.\n\n§ 13  Reasonable precautions\n(1) The Customer must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Customer must take reasonable steps to recover lost or stolen property.\n\n§ 14  Data and backups\n(1) The Provider is not responsible for recovering or restoring any data, software or settings stored on the Customer's device.\n(2) The Customer should back up the Customer's data regularly and before sending the device for repair.\n\n§ 15  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Provider may charge the premium without the discount from that date.\n\n§ 16  Arbitration\n(1) If the Provider accepts a claim but disagree with the Customer about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Provider.\n\n§ 17  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 18  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 19  Notices\n(1) Any notice the Provider gives under this policy will be sent to the most recent postal or email address the Provider holds.\n(2) Notices from the Customer should be sent to the address shown in the schedule.\n\n§ 20  Transferring the plan\n(1) The Customer may transfer the plan to a new owner of the device by telling the Provider in writing.\n(2) The remaining term of the plan transfers with the device; the term does not restart.\n\n§ 21  Salvage\n(1) When the Provider replaces an item, the damaged or recovered item becomes the Provider's property.\n(2) If stolen property is recovered after the Provider has paid a claim, the Customer must tell the Provider and either return the payment or give the Provider the property.\n\n§ 22  Environmental commitment\n(1) Where practical, the Provider will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Customer may ask for a new part instead, and the Provider will tell the Customer whether any additional cost would apply.\n\n§ 23  Sanctions\n(1) The Provider will not provide cover or pay any claim to the extent that doing so would expose the Provider to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 24  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 25  Changes in circumstances\n(1) The Customer must tell the Provider as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Provider may then change the premium or the terms of this policy, or cancel it.\n\n§ 26  Electronic documents\n(1) The Provider will send documents by email unless the Customer asks for paper copies.\n(2) The Customer must tell the Provider if the Customer's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 27  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 28  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 29  Customer support\n(1) The Provider's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Customer can leave a message and the Provider will call back on the next working day.\n\n§ 30  Repair process\n(1) After a claim is accepted, the Provider will send a prepaid mailer or book a courier collection.\n(2) The Provider aims to return repaired devices within 15 business days of receiving them.\n\n§ 31  Claims documents\n(1) The Customer must provide, at the Customer's own expense, original receipts, invoices, reports and any other evidence the Provider reasonably ask for.\n(2) The Provider may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 32  Breakdown\n(1) The Provider will repair or replace the Customer's device if it stops working because of an electrical or mechanical fault.\n(2) No cover applies under this section to any incident that happens within the first 30 days after the policy start date.\n(3) The most the Provider will pay for Battery replacement under this section is $80 per incident.\n(4) The Provider will not pay for breakdowns during the manufacturer's warranty period.\n(5) The Provider will not pay for breakdown caused by liquid getting into the device.\n\n§ 33  Complaints\n(1) If the Customer has a complaint, the Customer should first contact the Provider's customer relations team, quoting the policy number.\n(2) The Provider will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Customer remains dissatisfied, the Customer may be able to refer the complaint to an independent ombudsman service.\n\n§ 34  Market conditions\n(1) If the replacement item is no longer available, the Provider will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 35  Unrecoverable devices\n(1) If a device is found after the Provider has replaced it, the found device becomes the Provider's property and must be sent to the Provider.\n(2) The Provider may block devices reported as lost or stolen so that they cannot be used on mobile networks.\n\n§ 36  Renewal\n(1) The Provider will write to the Customer at least 21 days before the end of the policy period with the renewal terms.\n(2) The Provider is not obliged to offer renewal.\n\n§ 37  General exclusions\n(1) The Provider will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(2) The Provider will not pay for loss arising from a government order or sanction that prohibits the Provider from paying.\n(3) The Provider will not pay for any deliberate or criminal act by the Customer.\n(4) The Provider will not pay for any fraudulent claim or any claim supported by false documents.\n(5) The Provider will not pay for loss caused by nuclear radiation or radioactive contamination.\n(6) The Provider will not pay for loss or damage caused by war, invasion, or civil war.\n\n§ 38  Making a claim\n(1) The Provider may appoint a loss adjuster to investigate any claim.\n(2) The Customer must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Customer must notify the Provider of a claim within 21 days of the incident. The Provider will not pay any claim notified after that time.\n\n§ 39  Instalment agreements\n(1) If the Customer pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 40  Communication\n(1) The Provider will communicate with the Customer in English.\n(2) The Provider may record telephone calls for training and quality purposes.\n\n§ 41  Cancellation\n(1) The Customer can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Customer can cancel at any time; the Provider will refund the premium for the unexpired period less an administration charge of $30.\n(3) The Provider can cancel this policy by giving the Customer 30 days' written notice to the last address the Provider holds.\n\n§ 42  Replacement devices\n(1) If the Provider cannot repair the Customer's device economically, the Provider will replace it with a replacement device.\n(2) Replacement devices may be a different colour and may be refurbished to an as-new standard.\n(3) Accessories are replaced only if they were lost or damaged in the same incident as the device.\n\n§ 43  Subrogation\n(1) The Provider will be entitled to take over and conduct in the Customer's name the defence or settlement of any claim.\n(2) The Provider can take action in the Customer's name to recover any payment the Provider makes from anyone responsible for the loss.\n\n§ 44  Compensation scheme\n(1) The Provider is covered by a financial services compensation scheme.\n(2) If the Provider cannot meet the Provider's obligations, the Customer may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 45  Premium payment\n(1) The Customer must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 7 days of its due date, the Provider may cancel the policy after giving notice.\n\n§ 46  Data protection\n(1) The Provider will use the personal information the Customer provides to administer this policy and to handle claims.\n(2) The Provider will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Customer can ask for a copy of the personal information the Provider holds by writing to the Provider's data protection officer.\n\n§ 47  Exchange of information\n(1) To prevent fraud, the Provider may check the details the Customer gives against public records and industry databases.\n(2) The Provider may contact previous insurers to confirm the Customer's claims history.\n\n§ 48  Assignment\n(1) The Customer cannot transfer the Customer's interest in this policy to anyone else without the Provider's written consent.\n\n§ 49  Cooperation\n(1) The Customer must give the Provider all the help and information the Provider reasonably need to settle a claim.\n(2) The Customer must not admit liability or offer to settle any claim without the Provider's written permission.\n\n§ 50  Third-party administrators\n(1) The Provider may appoint another company to handle claims or other services on the Provider's behalf.\n(2) Any company the Provider appoints must follow the terms of this policy and applicable data protection law.\n\n§ 51  Duty of fair presentation\n(1) The Customer must answer all questions the Provider asks honestly and to the best of the Customer's knowledge.\n(2) If the Customer gives incorrect information deliberately or recklessly, the Provider may treat this policy as if it never existed and keep the premium.\n(3) If the Customer gives incorrect information carelessly, the Provider may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 52  Automatic renewal\n(1) Unless the Customer tells the Provider otherwise, this policy will renew automatically at the end of the policy period using the payment details the Provider holds.\n(2) The Customer can switch off automatic renewal at any time by contacting the Provider's helpline.\n\n=== CLAIM ===\nClaim summary: Ashok Ueda; policy P127767; policy start 1 August 2025; schedule covers Accidental Damage, Breakdown, Theft and Loss; extensions none. Section claimed: Accidental Damage, for a laptop. Incident date 20 October 2025; notified 31 October 2025; assessed loss $1,748. Facts: The laptop had previously been opened by an independent repair shop. The provider had approved that repair in writing before it was carried out. Ashok uses the device mainly for work. Ashok bought the device from an authorised retailer.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_unauthorised_repair": "Decline under the unauthorised repairs exclusion (§ 10(5))", "deny_cosmetic_damage": "Decline under the cosmetic damage exclusion (§ 10(4))", "deny_waiting": "Decline: the incident happened during the waiting period (§ 32(2))", "pay_limit": "Pay up to the Accidental Damage limit", "pay_less_fee": "Pay the assessed loss less the service fee"}, "src": "hard_long_policy", "label": "pay_limit"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$0", "b": "$1,748", "c": "$1,101", "d": "$1,649", "e": "$1,200"}, "src": "hard_long_policy", "label": "e"}}, "_meta": {"id": "hard-v1/long_policy/development/00090", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00090", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "device", "target": "pay_limit", "category": "accidental_damage", "tempting": "unauthorised_repair", "facts": {"domain": "device", "fee_order": "before", "notice_days": 21, "categories": {"accidental_damage": {"limit": 1200, "fee": 99, "waiting": 0, "purchased": true}, "breakdown": {"limit": 1500, "fee": 49, "waiting": 30, "purchased": true}, "theft_loss": {"limit": 800, "fee": 99, "waiting": 0, "purchased": true}}, "classes": {"accessories": {"category": "accidental_damage", "cap": 50}, "wearables": {"category": "accidental_damage", "cap": 300}, "battery": {"category": "breakdown", "cap": 80}, "accessories_tl": {"category": "theft_loss", "cap": 50}}, "exclusions": [{"key": "cosmetic_damage", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unauthorised_repair", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "manufacturer_warranty", "categories": ["breakdown"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}, {"key": "liquid", "categories": ["breakdown"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unattended", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "no_police_report", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "accidental_damage", "item": "the laptop", "item_class": null, "loss_cents": 174800, "start": "2025-08-01", "incident": "2025-10-20", "reported": "2025-10-31", "conditions": {"unauthorised_repair": true}, "values": {}, "exceptions": {"unauthorised_repair": true}}, "options_q": {"outcome": {"deny_unauthorised_repair": "deny_unauthorised_repair", "deny_cosmetic_damage": "deny_cosmetic_damage", "deny_waiting": "deny_waiting", "pay_limit": "pay_limit", "pay_less_fee": "pay_less_fee"}, "amount": {"a": 0, "b": 174800, "c": 110100, "d": 164900, "e": 120000}}}, "text_sha256": "741fcaa596db91deeb80d77db2a2e5d4aaa65381bf9f3f7cac34939c976d20d3", "state_tokens": 3877}}
{"state": "MEMO\nRe: Approval routing\n\nPurchase requests of this size must be approved by the requester's manager's manager (the skip-level manager). Ines reports to Arjun. Bram reports to Arjun.\n\nTariq reports to Kwame. Priya reports to Rafael. Dmitri reports to Colm.\n\nKwame reports to Chloe. Priya is a Director. Rafael is a Vice President.\n\nNoah is a Chief Executive. Colm is a Director. Ines is a Director.\n\nChloe is a Vice President. Maya is a Senior Manager. Dmitri is a Senior Manager.\n\nBram is a Manager. Arjun is a Director. Tariq is a Director.\n\nKwame is a Director. Lotte is a Senior Manager. Farah is a Senior Manager.\n\nRafael reports to Noah. Colm reports to Rafael. Maya reports to Kwame.\n\nChloe reports to Noah. Farah reports to Priya. Lotte reports to Priya.\n\nArjun reports to Chloe. Dmitri has submitted a purchase request for $45,250.", "questions": {"approver": {"type": "choice", "instructions": "Which person has to approve the request?", "criteria": {"rafael": null, "farah": null, "priya": null, "colm": null, "noah": null}, "src": "hard_multi_hop", "label": "rafael"}}, "_meta": {"id": "hard-v1/multi_hop/development/00015", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00015", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "org", "rule": "skip", "hops": 3, "facts": {"kind": "org", "reports": {"Chloe": "Noah", "Rafael": "Noah", "Kwame": "Chloe", "Arjun": "Chloe", "Priya": "Rafael", "Colm": "Rafael", "Tariq": "Kwame", "Maya": "Kwame", "Ines": "Arjun", "Bram": "Arjun", "Lotte": "Priya", "Farah": "Priya", "Dmitri": "Colm"}, "titles": {"Noah": "Chief Executive", "Chloe": "Vice President", "Rafael": "Vice President", "Kwame": "Director", "Arjun": "Director", "Priya": "Director", "Colm": "Director", "Tariq": "Director", "Maya": "Senior Manager", "Ines": "Director", "Bram": "Manager", "Lotte": "Senior Manager", "Farah": "Senior Manager", "Dmitri": "Senior Manager"}, "requester": "Dmitri", "rule": "skip", "min_title": "Director", "options_q": {"approver": {"rafael": "rafael", "farah": "farah", "priya": "priya", "colm": "colm", "noah": "noah"}}}, "text_sha256": "0144f1b98883fae9bb90014185d8045f0a93097a522d4fd5089f27b2a0d8bf96", "state_tokens": 230}}
{"state": "SPEC SHEET: a laptop model for the staff hardware refresh\nAero 14 | unit price=$1,480 | battery life=18 hours | weight=1.0 kg | documentation score=6/10 | reliability score=8/10 | vendor stability score=4/10 | three-year on-site warranty=yes | built-in LTE=yes\nOrbit 13 | unit price=$1,680 | battery life=16 hours | weight=1.9 kg | documentation score=10/10 | reliability score=3/10 | vendor stability score=5/10 | three-year on-site warranty=yes | built-in LTE=yes\nSlate Pro | unit price=$1,800 | battery life=18 hours | weight=1.9 kg | documentation score=3/10 | reliability score=10/10 | vendor stability score=3/10 | three-year on-site warranty=yes | built-in LTE=yes\nVector X1 | unit price=$1,670 | battery life=12 hours | weight=2.2 kg | documentation score=6/10 | reliability score=7/10 | vendor stability score=10/10 | three-year on-site warranty=yes | built-in LTE=no\nR1: it must offer built-in LTE\nSelection: Each option has been scored from 1 to 10 on documentation, reliability and vendor stability (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 40% documentation, 40% reliability, 20% vendor stability.", "questions": {"choice": {"type": "choice", "instructions": "Which model best satisfies the brief?", "criteria": {"aero_14": null, "slate_pro": null, "orbit_13": null, "vector_x1": null}, "src": "hard_tradeoff", "label": "aero_14"}, "meets": {"type": "noul", "instructions": "Does Slate Pro pass the hard requirements?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00076", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00076", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "model", "none_case": false, "facts": {"rule": "weighted", "options": {"Aero 14": {"cost": 1480, "battery": 18, "weight": 10, "warranty": true, "lte": true, "documentation": 6, "reliability": 8, "vendor stability": 4}, "Orbit 13": {"cost": 1680, "battery": 16, "weight": 19, "warranty": true, "lte": true, "documentation": 10, "reliability": 3, "vendor stability": 5}, "Slate Pro": {"cost": 1800, "battery": 18, "weight": 19, "warranty": true, "lte": true, "documentation": 3, "reliability": 10, "vendor stability": 3}, "Vector X1": {"cost": 1670, "battery": 12, "weight": 22, "warranty": true, "lte": false, "documentation": 6, "reliability": 7, "vendor stability": 10}}, "constraints": [{"attr": "lte", "op": "is", "value": true}], "priority": [], "weights": {"documentation": 40, "reliability": 40, "vendor stability": 20}, "years": null, "check": "Slate Pro", "options_q": {"choice": {"aero_14": "aero_14", "slate_pro": "slate_pro", "orbit_13": "orbit_13", "vector_x1": "vector_x1"}}}, "text_sha256": "894d5240326e6d4672430bd486ff6756de26c74843f257e6408307fff604bc39", "state_tokens": 347}}
{"state": "REVIEW REQUEST\nItem: Rule: a discount applies if both the order total is over $100 and the customer is a loyalty member, or if the order ships to a domestic address. Facts: it is not true that the order total is over $100; the customer is a loyalty member; it is not true that the order ships to a domestic address. Does the discount apply?\nSubmitted result: Pretty sure it's Yes, the discount applies.", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}}, "_meta": {"id": "hard-v1/judge/development/00030", "source": "hard_judge", "group_id": "hard-v1/judge/development/00030", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "logic", "error": "logic", "facts": {"kind": "logic", "args": {"atoms": ["over", "member", "domestic"], "form": "or_and", "values": {"over": false, "member": true, "domestic": false}}, "proposed": true, "error": "logic"}, "text_sha256": "742a1fbffe4b49fc7165fd29161913d35ce6b8b135b2f922fb4d9bd7c5c89f6a", "state_tokens": 96}}
{"state": "RENTERS CONTENTS PROTECTION\nIssued by Oakfield Assurance\nIn this policy, \"the Insurer\" means Oakfield Assurance and \"the Policyholder\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Art and antiques means paintings, antiques, rugs and other works of art.\n(2) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(3) Bicycles means bicycles and electric scooters.\n(4) Business day means Monday to Friday, excluding public holidays.\n(5) Contents means household goods and personal possessions that belong to the Policyholder or the Policyholder's family.\n(6) Family means the Policyholder's spouse or partner and any children who live with the Policyholder.\n(7) Forcible entry means entry to the home that leaves visible damage to doors, windows or locks.\n(8) Garden items means garden furniture, plants and outdoor tools.\n(9) High-risk items means jewellery, watches, laptops, games consoles and cameras.\n(10) Home means the private residence at the address shown in the schedule.\n(11) Outbuilding means a shed, garage or greenhouse within the boundaries of the home.\n(12) Portable electronics means laptops, tablets and mobile phones.\n(13) Premium means the amount the Policyholder must pay for this policy, including any taxes.\n(14) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(15) Schedule means the document issued with this policy that shows the Policyholder's details, the covers the Policyholder bought and any extensions.\n(16) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(17) Unoccupied means not lived in by the Policyholder or a member of the Policyholder's family for more than 60 consecutive days.\n\n§ 2  Limits and excess\n(1) Theft: limit $40,000 per incident; excess $100 per claim.\n(2) Escape of Water: limit $30,000 per incident; excess $250 per claim.\n(3) Accidental Damage: limit $2,000 per incident; excess $50 per claim.\n(4) Flood: limit $20,000 per incident; excess $500 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Flood\n(1) The Insurer will pay for contents damaged by flood water entering the Policyholder's home.\n(2) No cover applies under this section to any incident that happens within the first 14 days after the policy start date.\n(3) The most the Insurer will pay for Garden items under this section is $500 per incident.\n(4) The Insurer will not pay for flood damage where a flood warning for the Policyholder's area had been issued before the policy started.\n\n§ 4  Theft\n(1) The Insurer will pay for contents stolen from the Policyholder's home.\n(2) The most the Insurer will pay for High-risk items under this section is $1,000 per incident.\n(3) The most the Insurer will pay for Bicycles under this section is $500 per incident.\n(4) The Insurer will not pay for theft while the home is unoccupied.\n(5) The Insurer will not pay for theft where there is no sign of forced entry to the home. This exclusion does not apply where the thief gained entry by deception, for example by posing as a utility worker.\n(6) The Insurer will not pay for theft from sheds, garages or other outbuildings. This exclusion does not apply if the outbuilding was locked and the theft involved forcible entry.\n\n§ 5  Escape of Water\n(1) The Insurer will pay for contents damaged by water escaping from a fixed pipe, tank or domestic appliance.\n(2) The most the Insurer will pay for Art and antiques under this section is $1,000 per incident.\n(3) The Insurer will not pay for damage caused by water leaking gradually over a period of time.\n(4) The Insurer will not pay for damage caused by the failure of grout or sealant around baths and showers.\n\n§ 6  Optional cover: Accidental Damage\n(1) The Insurer will pay for sudden and unexpected accidental damage to the Policyholder's contents inside the home.\n(2) This section applies only if it is shown as purchased in the Policyholder's schedule.\n(3) The most the Insurer will pay for Portable electronics under this section is $750 per incident.\n(4) The Insurer will not pay for damage caused by pets.\n(5) The Insurer will not pay for wear and tear, or damage that happens gradually.\n\n§ 7  General exclusions\n(1) The Insurer will not pay for any deliberate or criminal act by the Policyholder.\n(2) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n(3) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n\n§ 8  Making a claim\n(1) The Policyholder must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Policyholder must notify the Insurer of a claim within 21 days of the incident. The Insurer will not pay any claim notified after that time.\n(3) The Insurer may appoint a loss adjuster to investigate any claim.\n\n§ 9  Contents temporarily removed\n(1) The Policyholder's contents are covered while temporarily removed from the home to another building in the same country, for up to 60 days.\n(2) Contents in a student hall of residence are covered only if the student is a member of the Policyholder's family.\n\n§ 10  Inflation\n(1) The Insurer may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Policyholder's renewal documents; limits do not change during a policy period.\n\n§ 11  Interest\n(1) The Insurer will not pay interest on any claim payment unless the law requires it.\n\n§ 12  Communication\n(1) The Insurer will communicate with the Policyholder in English.\n(2) The Insurer may record telephone calls for training and quality purposes.\n\n§ 13  Garden and outdoor cover\n(1) The Insurer will pay for plants, trees and shrubs in the garden of the home that are damaged by fire, lightning or theft.\n(2) The Insurer will not pay for damage caused by frost, storms, drought or animals.\n\n§ 14  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Policyholder should be sent to the address shown in the schedule.\n\n§ 15  Complaints\n(1) If the Policyholder has a complaint, the Policyholder should first contact the Insurer's customer relations team, quoting the policy number.\n(2) The Insurer will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Policyholder remains dissatisfied, the Policyholder may be able to refer the complaint to an independent ombudsman service.\n\n§ 16  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 17  Locks and keys\n(1) If the keys to the Policyholder's home are lost or stolen, the Insurer will pay the cost of replacing the locks to the outside doors.\n(2) The most the Insurer will pay under this clause is $500 for any one claim.\n\n§ 18  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 19  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Policyholder to repay the amount.\n\n§ 20  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 21  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 22  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 23  Electronic documents\n(1) The Insurer will send documents by email unless the Policyholder asks for paper copies.\n(2) The Policyholder must tell the Insurer if the Policyholder's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 24  Claims documents\n(1) The Policyholder must provide, at the Policyholder's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 25  Alternative accommodation\n(1) If the Policyholder's home cannot be lived in after damage covered by this policy, the Insurer will pay the reasonable cost of comparable temporary accommodation.\n(2) The Insurer will also pay for the temporary housing of pets that live with the Policyholder.\n(3) Cover ends when the home is fit to live in again or after twelve months, whichever is sooner.\n\n§ 26  Market conditions\n(1) If the replacement item is no longer available, the Insurer will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 27  Renewal\n(1) The Insurer will write to the Policyholder at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 28  Changes in circumstances\n(1) The Policyholder must tell the Insurer as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Insurer may then change the premium or the terms of this policy, or cancel it.\n\n§ 29  Subrogation\n(1) The Insurer will be entitled to take over and conduct in the Policyholder's name the defence or settlement of any claim.\n(2) The Insurer can take action in the Policyholder's name to recover any payment the Insurer makes from anyone responsible for the loss.\n\n§ 30  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Insurer will pay only the Insurer's proportionate share.\n(2) The Policyholder must tell the Insurer about any other insurance that covers the same loss when the Policyholder makes a claim.\n\n§ 31  Cancellation\n(1) The Policyholder can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Policyholder can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $15.\n(3) The Insurer can cancel this policy by giving the Policyholder 30 days' written notice to the last address the Insurer holds.\n\n§ 32  Change of address\n(1) The Policyholder must tell the Insurer within 30 days if the Policyholder changes the Policyholder's address.\n(2) The Insurer may change the premium or the terms from the date of the move.\n\n=== CLAIM ===\nClaim summary: Lotte Tanaka; policy B599062; policy start 31 July 2025; schedule covers Theft, Escape of Water, Accidental Damage, Flood; extensions none. Section claimed: Theft, for a sofa and armchair. Incident date 16 October 2025; notified 30 October 2025; assessed loss $41,292. Facts: Police found no sign of forced entry. The home had been empty for 57 consecutive days when the theft happened. A neighbour reported the incident to the building manager. The building is a converted warehouse with six flats. Lotte works from home three days a week.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"not_covered": "Decline: Theft is not a cover shown in the schedule", "deny_unoccupied": "Decline under the unoccupied home exclusion (§ 4(4))", "deny_waiting": "Decline: the incident happened during the waiting period (§ 3(2))", "deny_no_forced_entry": "Decline under the theft without forced entry exclusion (§ 4(5))", "deny_outbuilding": "Decline under the outbuildings exclusion (§ 4(6))"}, "src": "hard_long_policy", "label": "deny_no_forced_entry"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$0", "b": "$40,000", "c": "$41,292", "d": "$900", "e": "$39,900"}, "src": "hard_long_policy", "label": "a"}}, "_meta": {"id": "hard-v1/long_policy/development/00081", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00081", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "home", "target": "deny_exclusion", "category": "theft", "tempting": "unoccupied", "facts": {"domain": "home", "fee_order": "before", "notice_days": 21, "categories": {"theft": {"limit": 40000, "fee": 100, "waiting": 0, "purchased": true}, "water": {"limit": 30000, "fee": 250, "waiting": 0, "purchased": true}, "accidental": {"limit": 2000, "fee": 50, "waiting": 0, "purchased": true}, "flood": {"limit": 20000, "fee": 500, "waiting": 14, "purchased": true}}, "classes": {"high_risk": {"category": "theft", "cap": 1000}, "bicycles": {"category": "theft", "cap": 500}, "art": {"category": "water", "cap": 1000}, "portable": {"category": "accidental", "cap": 750}, "garden": {"category": "flood", "cap": 500}}, "exclusions": [{"key": "unoccupied", "categories": ["theft"], "kind": "threshold", "thr": 60, "cmp": "gt", "has_exception": false}, {"key": "no_forced_entry", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "outbuilding", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "gradual", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "sealant", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pets", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear_home", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "flood_warning", "categories": ["flood"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "theft", "item": "the sofa and armchair", "item_class": null, "loss_cents": 4129200, "start": "2025-07-31", "incident": "2025-10-16", "reported": "2025-10-30", "conditions": {"no_forced_entry": true}, "values": {"unoccupied": 57}, "exceptions": {"no_forced_entry": false}}, "options_q": {"outcome": {"not_covered": "not_covered", "deny_unoccupied": "deny_unoccupied", "deny_waiting": "deny_waiting", "deny_no_forced_entry": "deny_no_forced_entry", "deny_outbuilding": "deny_outbuilding"}, "amount": {"a": 0, "b": 4000000, "c": 4129200, "d": 90000, "e": 3990000}}}, "text_sha256": "307ef30d62714f5b0d078a30ac28dd5883b3e57e5b55bb91ee2649031bcd8ab1", "state_tokens": 2861}}
{"state": "SINGLE-TRIP TRAVEL PROTECTION PLAN\nIssued by Northstar Underwriting\nIn this policy, \"the Insurer\" means Northstar Underwriting and \"the Insured Person\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Dental treatment means treatment of the teeth or gums.\n(2) Hazardous activity means skydiving, motor racing, or trekking or climbing above 4,500 metres.\n(3) Physiotherapy means treatment of muscles and joints by a physiotherapist.\n(4) Pre-existing condition means any illness or injury for which the Insured Person received treatment or advice in the 6 months before the policy start date.\n(5) Public transport means any scheduled train, bus, coach, ferry or aircraft.\n\n§ 2  Limits and excess\n(1) Baggage and Personal Belongings: limit $3,000 per incident; excess $100 per claim.\n(2) Emergency Medical Expenses: limit $10,000 per incident; excess $150 per claim.\n(3) Trip Cancellation: limit $5,000 per incident; excess $50 per claim.\n(4) Travel Delay: limit $500 per incident; excess $25 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Emergency Medical Expenses\n(1) The Insurer will pay reasonable and necessary emergency medical costs incurred during the trip.\n(2) The most the Insurer will pay for Dental treatment under this section is $400 per incident.\n(3) The most the Insurer will pay for Physiotherapy under this section is $500 per incident.\n(4) The Insurer will not pay for treatment of a pre-existing condition.\n(5) The Insurer will not pay for injury or illness arising from a hazardous activity. This exclusion does not apply if the Adventure Sports extension is shown in the Insured Person's schedule.\n(6) The Insurer will not pay for any claim arising from the Insured Person's being under the influence of alcohol or drugs.\n\n§ 4  General exclusions\n(1) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n(2) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(3) The Insurer will not pay for any deliberate or criminal act by the Insured Person.\n\n§ 5  Making a claim\n(1) The Insured Person must notify the Insurer of a claim within 60 days of the incident. The Insurer will not pay any claim notified after that time.\n(2) The Insured Person must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Insurer may appoint a loss adjuster to investigate any claim.\n\n§ 6  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 7  Missed departure\n(1) The Insurer will pay reasonable additional travel and accommodation costs to reach the Insured Person's destination if the Insured Person arrives too late to board the Insured Person's booked transport because public transport fails.\n(2) The Insured Person must allow enough time to reach the departure point, and must obtain written confirmation of the delay from the transport operator.\n\n§ 8  Rental car excess\n(1) If the Insured Person hires a car during the trip, the Insurer will reimburse any excess the Insured Person must pay to the hire company after accidental damage to the car.\n(2) This section applies only to cars hired from a licensed rental company under a written agreement.\n\n§ 9  Emergency assistance\n(1) The Insurer's emergency assistance service is available 24 hours a day on the number shown in the schedule.\n(2) The Insured Person must contact the assistance service before being admitted to hospital as an in-patient, unless it is an emergency.\n(3) The assistance service can arrange payment guarantees, interpreters and transport home.\n\n§ 10  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 11  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 12  Arbitration\n(1) If the Insurer accepts a claim but disagree with the Insured Person about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Insurer.\n\n§ 13  Interest\n(1) The Insurer will not pay interest on any claim payment unless the law requires it.\n\n§ 14  Legal expenses abroad\n(1) The Insurer will pay legal costs to pursue compensation for the Insured Person's injury or death caused by a third party during the trip.\n(2) The Insurer will not pay legal costs unless the Insurer's legal adviser agrees that the claim has a reasonable prospect of success.\n\n§ 15  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Insured Person gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Insured Person's claims history.\n\n§ 16  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 17  Changes in circumstances\n(1) The Insured Person must tell the Insurer as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Insurer may then change the premium or the terms of this policy, or cancel it.\n\n§ 18  Duty of fair presentation\n(1) The Insured Person must answer all questions the Insurer asks honestly and to the best of the Insured Person's knowledge.\n(2) If the Insured Person gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Insured Person gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 19  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Insured Person should be sent to the address shown in the schedule.\n\n§ 20  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 21  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 22  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 23  Reasonable precautions\n(1) The Insured Person must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Insured Person must take reasonable steps to recover lost or stolen property.\n\n§ 24  Personal liability\n(1) The Insurer will pay damages the Insured Person becomes legally liable to pay for accidental injury to another person or accidental damage to their property during the trip.\n(2) This section does not cover liability arising from the use of motor vehicles, boats or aircraft.\n(3) The most the Insurer will pay under this section is $1,000,000 for all claims arising from one event.\n\n=== CLAIM ===\nClaim summary: Tomas Sato; policy D221268; policy start 4 November 2025; schedule covers Baggage and Personal Belongings, Emergency Medical Expenses, Trip Cancellation, Travel Delay; extensions none. Section claimed: Emergency Medical Expenses, for hospital treatment for a broken ankle. Incident date 6 December 2025; notified 9 January 2026; assessed loss $13,933. Facts: Tomas fell ill suddenly on the third day of the trip. The problem began while Tomas was trekking at an altitude of 3,601 metres. The hospital report notes that Tomas had not been drinking. Tomas's records show treatment for the same condition 7 months before the policy start date. The return flight was scheduled for the following week. The destination was a coastal town Tomas had visited before. Tomas paid for the trip with a credit card.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_pre_existing": "Decline under the pre-existing conditions exclusion (§ 3(4))", "not_covered": "Decline: Emergency Medical Expenses is not a cover shown in the schedule", "pay_limit": "Pay up to the Emergency Medical Expenses limit", "deny_late": "Decline: the claim was notified too late (§ 5(1))", "pay_less_fee": "Pay the assessed loss less the excess"}, "src": "hard_long_policy", "label": "pay_limit"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$10,000", "b": "$13,783", "c": "$13,933", "d": "$250", "e": "$9,850"}, "src": "hard_long_policy", "label": "a"}}, "_meta": {"id": "hard-v1/long_policy/development/00042", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00042", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "travel", "target": "pay_limit", "category": "medical", "tempting": "pre_existing", "facts": {"domain": "travel", "fee_order": "before", "notice_days": 60, "categories": {"baggage": {"limit": 3000, "fee": 100, "waiting": 0, "purchased": true}, "medical": {"limit": 10000, "fee": 150, "waiting": 0, "purchased": true}, "cancellation": {"limit": 5000, "fee": 50, "waiting": 14, "purchased": true}, "delay": {"limit": 500, "fee": 25, "waiting": 0, "purchased": true}}, "classes": {"valuables": {"category": "baggage", "cap": 250}, "sports": {"category": "baggage", "cap": 450}, "dental": {"category": "medical", "cap": 400}, "physio": {"category": "medical", "cap": 500}, "excursions": {"category": "cancellation", "cap": 300}}, "exclusions": [{"key": "unattended", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "confiscation", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pre_existing", "categories": ["medical"], "kind": "threshold", "thr": 6, "cmp": "le", "has_exception": false}, {"key": "hazardous", "categories": ["medical"], "kind": "threshold", "thr": 4500, "cmp": "gt", "has_exception": true}, {"key": "intoxication", "categories": ["medical"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "known_event", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "change_of_mind", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "short_delay", "categories": ["delay"], "kind": "threshold", "thr": 12, "cmp": "le", "has_exception": false}], "case": {"category": "medical", "item": "the ankle treatment", "item_class": null, "loss_cents": 1393300, "start": "2025-11-04", "incident": "2025-12-06", "reported": "2026-01-09", "conditions": {"intoxication": false}, "values": {"pre_existing": 7, "hazardous": 3601}, "exceptions": {}}, "options_q": {"outcome": {"deny_pre_existing": "deny_pre_existing", "not_covered": "not_covered", "pay_limit": "pay_limit", "deny_late": "deny_late", "pay_less_fee": "pay_less_fee"}, "amount": {"a": 1000000, "b": 1378300, "c": 1393300, "d": 25000, "e": 985000}}}, "text_sha256": "46a0a0dad7eb9e5b8f46caf23c2599dfd06aa5bcce899afc727e8cc352c4e6cb", "state_tokens": 2002}}
{"state": "MEMO\nRe: Approval routing\n\nPurchase requests of this size must be approved by the requester's manager's manager (the skip-level manager). Ashok reports to Zainab. Tariq reports to Maya.\n\nRafael reports to Zainab. Chloe reports to Felix. Nadia reports to Felix.\n\nFelix reports to Tariq. Zainab is a Director. Chloe is a Senior Manager.\n\nDmitri is a Senior Manager. Ashok is a Senior Manager. Mateo is a Manager.\n\nNadia is a Senior Manager. Hana is a Manager. Rafael is a Manager.\n\nBeatriz is a Vice President. Tariq is a Vice President. Felix is a Director.\n\nMaya is a Chief Executive. Viktor is a Manager. Sofia is a Director.\n\nBeatriz reports to Maya. Zainab reports to Beatriz. Mateo reports to Sofia.\n\nHana reports to Chloe. Sofia reports to Beatriz. Dmitri reports to Sofia.\n\nViktor reports to Chloe. Hana has submitted a purchase request for $53,250.", "questions": {"approver": {"type": "choice", "instructions": "Which person has to approve the request?", "criteria": {"maya": null, "chloe": null, "felix": null, "tariq": null, "ashok": null}, "src": "hard_multi_hop", "label": "felix"}}, "_meta": {"id": "hard-v1/multi_hop/development/00011", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00011", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "org", "rule": "skip", "hops": 4, "facts": {"kind": "org", "reports": {"Tariq": "Maya", "Beatriz": "Maya", "Felix": "Tariq", "Sofia": "Beatriz", "Zainab": "Beatriz", "Chloe": "Felix", "Nadia": "Felix", "Mateo": "Sofia", "Dmitri": "Sofia", "Rafael": "Zainab", "Ashok": "Zainab", "Hana": "Chloe", "Viktor": "Chloe"}, "titles": {"Maya": "Chief Executive", "Tariq": "Vice President", "Beatriz": "Vice President", "Felix": "Director", "Sofia": "Director", "Zainab": "Director", "Chloe": "Senior Manager", "Nadia": "Senior Manager", "Mateo": "Manager", "Dmitri": "Senior Manager", "Rafael": "Manager", "Ashok": "Senior Manager", "Hana": "Manager", "Viktor": "Manager"}, "requester": "Hana", "rule": "skip", "min_title": "Vice President", "options_q": {"approver": {"maya": "maya", "chloe": "chloe", "felix": "felix", "tariq": "tariq", "ashok": "ashok"}}}, "text_sha256": "3f95773c57f5aa4d529e069a22195c3c8108b7ccd0e0a3633341f957d795c540", "state_tokens": 228}}
{"state": "MEMO\nRe: Return window\n\nReturns are accepted if the return request is made within 14 days of delivery. Elin Ueda ordered a standing desk on 2025-05-16. Elin asked to return it on 2025-06-14.\n\nThe desk is unused and in its original packaging.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"reject_return": "Reject the return as outside the window", "not_enough_information": "The information given is not enough to decide", "accept_return": "Accept the return"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00021", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00020", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "return_window", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": false, "facts": {"scenario": "return_window", "insufficient_key": "not_enough_information", "params": {"window": 14, "order": "2025-05-16", "delivered": null, "request": "2025-06-14"}, "deciding_present": false, "options_q": {"decision": {"reject_return": "reject_return", "not_enough_information": "not_enough_information", "accept_return": "accept_return"}}}, "text_sha256": "664c453dceb8bae4ec6d3469365ac107787ee16a32dee24026a4ed693cf5b26c", "state_tokens": 76}}
{"state": "MEMO\nRe: Shift pay check\n\nA warehouse worker clocked in at 20:00 on March 25, 2026 and clocked out at 07:30 the next day. They took a 20-minute unpaid break. The hourly rate is $19.25.\n\nPaid time beyond 8 hours in a shift is paid at 1.5 times the hourly rate.", "questions": {"pay": {"type": "choice", "instructions": "Shift pay due:", "criteria": {"a": "$255.06", "b": "$221.38", "c": "$245.44", "d": "$322.44", "e": "$214.96"}, "src": "hard_temporal_numeric", "label": "c"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00019", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00019", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "shift", "overtime": true, "facts": {"kind": "shift", "start": "2026-03-25T20:00", "end": "2026-03-26T07:30", "break_min": 20, "rate_cents": 1925, "ot_after_h": 8, "options_q": {"pay": {"a": 25506, "b": 22138, "c": 24544, "d": 32244, "e": 21496}}}, "text_sha256": "7bed1b470d508d565c95a5d380a502cfb45bb68b836b6ab6e2daf3334a191930", "state_tokens": 91}}
{"state": "SPEC SHEET: a managed cloud provider for the analytics platform\nArcadia Hosting | monthly cost=$1,100 | p95 latency=125 ms | uptime commitment=99.77% | one-time setup fee=$12,000 | SOC 2 Type II report=no | EU data residency=no\nNimbus | monthly cost=$1,350 | p95 latency=70 ms | uptime commitment=99.96% | one-time setup fee=$12,500 | SOC 2 Type II report=no | EU data residency=yes\nHalcyon Compute | monthly cost=$3,250 | p95 latency=205 ms | uptime commitment=99.61% | one-time setup fee=$1,500 | SOC 2 Type II report=no | EU data residency=yes\nR1: it must offer SOC 2 Type II report\nSelection: Among the options that meet every requirement, choose the lowest total cost over 5 years: the one-time setup fee plus 5 years of the monthly cost.", "questions": {"choice": {"type": "choice", "instructions": "Which provider best satisfies the brief?", "criteria": {"none_qualifies": "No option qualifies", "nimbus": null, "arcadia_hosting": null, "halcyon_compute": null}, "src": "hard_tradeoff", "label": "none_qualifies"}, "meets": {"type": "noul", "instructions": "Does Halcyon Compute pass the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00059", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00059", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "tco", "context": "provider", "none_case": true, "facts": {"rule": "tco", "options": {"Arcadia Hosting": {"cost": 1100, "latency": 125, "uptime": 9977, "soc2": false, "eu": false, "setup": 12000}, "Nimbus": {"cost": 1350, "latency": 70, "uptime": 9996, "soc2": false, "eu": true, "setup": 12500}, "Halcyon Compute": {"cost": 3250, "latency": 205, "uptime": 9961, "soc2": false, "eu": true, "setup": 1500}}, "constraints": [{"attr": "soc2", "op": "is", "value": true}], "priority": [], "weights": {}, "years": 5, "check": "Halcyon Compute", "options_q": {"choice": {"none_qualifies": "none_qualifies", "nimbus": "nimbus", "arcadia_hosting": "arcadia_hosting", "halcyon_compute": "halcyon_compute"}}}, "text_sha256": "6745f12f68e3de59202cc20ccc5d8ccf69b2b25786c2637ff401a94ec7f2f7e2", "state_tokens": 232}}
{"state": "SINGLE-TRIP TRAVEL PROTECTION PLAN\nIssued by Compass Mutual\nIn this policy, \"the Insurer\" means Compass Mutual and \"the Insured Person\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(2) Dental treatment means treatment of the teeth or gums.\n(3) Hazardous activity means skydiving, motor racing, or trekking or climbing above 4,500 metres.\n(4) Physiotherapy means treatment of muscles and joints by a physiotherapist.\n(5) Pre-existing condition means any illness or injury for which the Insured Person received treatment or advice in the 12 months before the policy start date.\n(6) Qualifying delay means a delay to the scheduled departure of more than 8 hours.\n(7) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n\n§ 2  Limits and excess\n(1) Baggage and Personal Belongings: limit $1,500 per incident; excess $100 per claim.\n(2) Emergency Medical Expenses: limit $25,000 per incident; excess $150 per claim.\n(3) Trip Cancellation: limit $3,000 per incident; excess $100 per claim.\n(4) Travel Delay: limit $750 per incident; excess $50 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Emergency Medical Expenses\n(1) The Insurer will pay reasonable and necessary emergency medical costs incurred during the trip.\n(2) The most the Insurer will pay for Dental treatment under this section is $250 per incident.\n(3) The most the Insurer will pay for Physiotherapy under this section is $300 per incident.\n(4) The Insurer will not pay for treatment of a pre-existing condition.\n(5) The Insurer will not pay for injury or illness arising from a hazardous activity. This exclusion does not apply if the Adventure Sports extension is shown in the Insured Person's schedule.\n(6) The Insurer will not pay for any claim arising from the Insured Person's being under the influence of alcohol or drugs.\n\n§ 4  Optional cover: Travel Delay\n(1) The Insurer will pay reasonable costs of meals and accommodation if the Insured Person's outbound departure is delayed.\n(2) This section applies only if it is shown as purchased in the Insured Person's schedule.\n(3) The Insurer will not pay for any delay that is not a qualifying delay.\n\n§ 5  General exclusions\n(1) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n(2) The Insurer will not pay for any deliberate or criminal act by the Insured Person.\n(3) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n\n§ 6  Making a claim\n(1) The Insured Person must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Insurer may appoint a loss adjuster to investigate any claim.\n(3) The Insured Person must notify the Insurer of a claim within 90 days of the incident. The Insurer will not pay any claim notified after that time.\n\n§ 7  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 8  Automatic renewal\n(1) Unless the Insured Person tells the Insurer otherwise, this policy will renew automatically at the end of the policy period using the payment details the Insurer holds.\n(2) The Insured Person can switch off automatic renewal at any time by contacting the Insurer's helpline.\n\n§ 9  Changes in circumstances\n(1) The Insured Person must tell the Insurer as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Insurer may then change the premium or the terms of this policy, or cancel it.\n\n§ 10  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Insured Person must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 11  Arbitration\n(1) If the Insurer accepts a claim but disagree with the Insured Person about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Insurer.\n\n§ 12  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 13  Complaints\n(1) If the Insured Person has a complaint, the Insured Person should first contact the Insurer's customer relations team, quoting the policy number.\n(2) The Insurer will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Insured Person remains dissatisfied, the Insured Person may be able to refer the complaint to an independent ombudsman service.\n\n§ 14  Instalment agreements\n(1) If the Insured Person pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 15  Premium payment\n(1) The Insured Person must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Insurer may cancel the policy after giving notice.\n\n§ 16  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 17  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 18  Records and evidence\n(1) The Insured Person should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 19  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n=== CLAIM ===\nClaim summary: Wen Novak; policy D587407; policy start 8 August 2026; schedule covers Baggage and Personal Belongings, Emergency Medical Expenses, Trip Cancellation, Travel Delay; extensions none. Section claimed: Travel Delay, for meals and a hotel night during a departure delay. Incident date 3 May 2027; notified 26 June 2027; assessed loss $691.40. Facts: The departure was delayed by 5 hours. The trip was booked through an online travel agent.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"not_covered": "Decline: Travel Delay is not a cover shown in the schedule", "deny_short_delay": "Decline under the short delays exclusion (§ 4(3))", "pay_limit": "Pay up to the Travel Delay limit", "pay_less_fee": "Pay the assessed loss less the excess", "deny_late": "Decline: the claim was notified too late (§ 6(3))"}, "src": "hard_long_policy", "label": "deny_short_delay"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$700", "b": "$691.40", "c": "$0", "d": "$641.40", "e": "$750"}, "src": "hard_long_policy", "label": "c"}}, "_meta": {"id": "hard-v1/long_policy/development/00096", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00096", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "travel", "target": "deny_exclusion", "category": "delay", "tempting": null, "facts": {"domain": "travel", "fee_order": "before", "notice_days": 90, "categories": {"baggage": {"limit": 1500, "fee": 100, "waiting": 0, "purchased": true}, "medical": {"limit": 25000, "fee": 150, "waiting": 0, "purchased": true}, "cancellation": {"limit": 3000, "fee": 100, "waiting": 10, "purchased": true}, "delay": {"limit": 750, "fee": 50, "waiting": 0, "purchased": true}}, "classes": {"valuables": {"category": "baggage", "cap": 500}, "sports": {"category": "baggage", "cap": 450}, "dental": {"category": "medical", "cap": 250}, "physio": {"category": "medical", "cap": 300}, "excursions": {"category": "cancellation", "cap": 300}}, "exclusions": [{"key": "unattended", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "confiscation", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pre_existing", "categories": ["medical"], "kind": "threshold", "thr": 12, "cmp": "le", "has_exception": false}, {"key": "hazardous", "categories": ["medical"], "kind": "threshold", "thr": 4500, "cmp": "gt", "has_exception": true}, {"key": "intoxication", "categories": ["medical"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "known_event", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "change_of_mind", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "short_delay", "categories": ["delay"], "kind": "threshold", "thr": 8, "cmp": "le", "has_exception": false}], "case": {"category": "delay", "item": "the meals and hotel", "item_class": null, "loss_cents": 69140, "start": "2026-08-08", "incident": "2027-05-03", "reported": "2027-06-26", "conditions": {}, "values": {"short_delay": 5}, "exceptions": {}}, "options_q": {"outcome": {"not_covered": "not_covered", "deny_short_delay": "deny_short_delay", "pay_limit": "pay_limit", "pay_less_fee": "pay_less_fee", "deny_late": "deny_late"}, "amount": {"a": 70000, "b": 69140, "c": 0, "d": 64140, "e": 75000}}}, "text_sha256": "041550b7952788a7e2088069308f499c8673c8516cd412aaccb2f4e52a182e2b", "state_tokens": 1705}}
{"state": "REVIEW REQUEST\nItem: Monthly active users went from 956 to 929. What is the percentage change, to one decimal place (negative for a decrease)?\nSubmitted result: -2.8%", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "-2.9%", "b": "-27.0%", "c": "97.2%", "d": "-2.8%", "e": "2.8%"}, "src": "hard_judge", "label": "d"}}, "_meta": {"id": "hard-v1/judge/development/00055", "source": "hard_judge", "group_id": "hard-v1/judge/development/00055", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "pct_change", "error": null, "facts": {"kind": "pct_change", "args": {"old": 956, "new": 929}, "dp": 1, "proposed": -28, "error": null, "options_q": {"value": {"a": -29, "b": -270, "c": 972, "d": -28, "e": 28}}}, "text_sha256": "663d9241362ebcb13e3aa9041dfd70e44174ff9757ca830ffc421b2dda24cd39", "state_tokens": 46}}
{"state": "MEMO\nRe: Group structure\n\nAn entity controls a company if it holds more than 50% of that company's shares, counting shares it holds directly and shares held by companies it controls. Cresta Group owns 72% of Kilnworth plc. Eastgate Partners owns 20% of Ivel Holdings.\n\nEastgate Partners owns 28% of Kilnworth plc. Ivel Holdings owns 23% of Lysander Group. Cresta Group owns 80% of Ivel Holdings.\n\nKilnworth plc owns 35% of Lysander Group. Dunmore Ventures owns 42% of Lysander Group.", "questions": {"controller": {"type": "choice", "instructions": "Name the ultimate controller of Lysander Group.", "criteria": {"kilnworth_plc": null, "dunmore_ventures": null, "cresta_group": null, "no_controller": "No entity controls it", "ivel_holdings": null}, "src": "hard_multi_hop", "label": "cresta_group"}, "interest": {"type": "choice", "instructions": "What is Cresta Group's effective economic interest in Lysander Group (its share of Lysander Group's profits through all holdings)?", "criteria": {"a": "87.2%", "b": "80.0%", "c": "58.0%", "d": "23.0%", "e": "43.6%"}, "src": "hard_multi_hop", "label": "e"}}, "_meta": {"id": "hard-v1/multi_hop/development/00013", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00013", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "ownership", "shape": "split", "facts": {"kind": "ownership", "stakes": {"Ivel Holdings": {"Cresta Group": "80/100", "Eastgate Partners": "20/100"}, "Kilnworth plc": {"Cresta Group": "72/100", "Eastgate Partners": "28/100"}, "Lysander Group": {"Ivel Holdings": "23/100", "Kilnworth plc": "35/100", "Dunmore Ventures": "42/100"}}, "candidates": ["Cresta Group", "Dunmore Ventures", "Ivel Holdings", "Kilnworth plc"], "target": "Lysander Group", "top": "Cresta Group", "options_q": {"controller": {"kilnworth_plc": "kilnworth_plc", "dunmore_ventures": "dunmore_ventures", "cresta_group": "cresta_group", "no_controller": "no_controller", "ivel_holdings": "ivel_holdings"}, "interest": {"a": 872, "b": 800, "c": 580, "d": 230, "e": 436}}}, "text_sha256": "d0e9b58f73020e213ba947345ea1e7f5dfa4532fb84f66c70358973644cc505f", "state_tokens": 141}}
{"state": "ELECTRONICS CARE PLAN\nIssued by Brightline Device Cover\nIn this policy, \"the Provider\" means Brightline Device Cover and \"the Customer\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Accessories means cases, chargers and earbuds.\n(2) Replacement device means a device of the same or similar specification, which may be refurbished.\n\n§ 2  Limits and service fee\n(1) Accidental Damage: limit $1,200 per incident; service fee $49 per claim.\n(2) Breakdown: limit $1,500 per incident; service fee $49 per claim.\n(3) Theft and Loss: limit $1,200 per incident; service fee $99 per claim.\n(4) Any limit or sublimit is applied to the assessed loss first, and the service fee is then deducted from the result.\n\n§ 3  Optional cover: Theft and Loss\n(1) The Provider will replace the Customer's device if it is stolen or lost.\n(2) This section applies only if it is shown as purchased in the Customer's schedule.\n(3) The most the Provider will pay for Accessories under this section is $50 per incident.\n(4) The Provider will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Provider will not pay for theft that was not reported to the police.\n\n§ 4  General exclusions\n(1) The Provider will not pay for any fraudulent claim or any claim supported by false documents.\n(2) The Provider will not pay for loss of value or loss of use that does not involve physical loss or damage.\n\n§ 5  Making a claim\n(1) The Customer must notify the Provider of a claim within 60 days of the incident. The Provider will not pay any claim notified after that time.\n(2) The Provider may appoint a loss adjuster to investigate any claim.\n(3) The Customer must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 6  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 7  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 8  Transferring the plan\n(1) The Customer may transfer the plan to a new owner of the device by telling the Provider in writing.\n(2) The remaining term of the plan transfers with the device; the term does not restart.\n\n§ 9  Unrecoverable devices\n(1) If a device is found after the Provider has replaced it, the found device becomes the Provider's property and must be sent to the Provider.\n(2) The Provider may block devices reported as lost or stolen so that they cannot be used on mobile networks.\n\n§ 10  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Provider may adjust the premium from the date of the change.\n\n§ 11  Premium payment\n(1) The Customer must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Provider may cancel the policy after giving notice.\n\n§ 12  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 13  Cooperation\n(1) The Customer must give the Provider all the help and information the Provider reasonably need to settle a claim.\n(2) The Customer must not admit liability or offer to settle any claim without the Provider's written permission.\n\n§ 14  Recovery of costs\n(1) If the Provider pays a claim that is later found not to be covered, the Provider may ask the Customer to repay the amount.\n\n§ 15  Reasonable precautions\n(1) The Customer must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Customer must take reasonable steps to recover lost or stolen property.\n\n§ 16  Arbitration\n(1) If the Provider accepts a claim but disagree with the Customer about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Provider.\n\n=== CLAIM ===\nClaim summary: Yusuf Fischer; policy P521162; policy start 17 May 2025; schedule covers Accidental Damage, Breakdown; extensions none. Section claimed: Theft and Loss, for a smartphone. Incident date 30 March 2026; notified 27 May 2026; assessed loss $518. Facts: The smartphone was taken from Yusuf's bag on a crowded train. Yusuf reported the theft to the police the same day. The retailer's receipt was uploaded with the claim.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_less_fee": "Pay the assessed loss less the service fee", "pay_limit": "Pay up to the Theft and Loss limit", "deny_unattended": "Decline under the unattended property exclusion (§ 3(4))", "not_covered": "Decline: Theft and Loss is not a cover shown in the schedule", "deny_no_police_report": "Decline under the unreported theft exclusion (§ 3(5))"}, "src": "hard_long_policy", "label": "not_covered"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$419", "b": "$0", "c": "$1,200", "d": "$518", "e": "$1,101"}, "src": "hard_long_policy", "label": "b"}}, "_meta": {"id": "hard-v1/long_policy/development/00093", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00093", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "device", "target": "not_covered", "category": "theft_loss", "tempting": null, "facts": {"domain": "device", "fee_order": "after", "notice_days": 60, "categories": {"accidental_damage": {"limit": 1200, "fee": 49, "waiting": 0, "purchased": true}, "breakdown": {"limit": 1500, "fee": 49, "waiting": 45, "purchased": true}, "theft_loss": {"limit": 1200, "fee": 99, "waiting": 0, "purchased": false}}, "classes": {"accessories": {"category": "accidental_damage", "cap": 100}, "wearables": {"category": "accidental_damage", "cap": 250}, "battery": {"category": "breakdown", "cap": 120}, "accessories_tl": {"category": "theft_loss", "cap": 50}}, "exclusions": [{"key": "cosmetic_damage", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unauthorised_repair", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "manufacturer_warranty", "categories": ["breakdown"], "kind": "threshold", "thr": 12, "cmp": "lt", "has_exception": false}, {"key": "liquid", "categories": ["breakdown"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unattended", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "no_police_report", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "theft_loss", "item": "the smartphone", "item_class": null, "loss_cents": 51800, "start": "2025-05-17", "incident": "2026-03-30", "reported": "2026-05-27", "conditions": {"no_police_report": false}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"pay_less_fee": "pay_less_fee", "pay_limit": "pay_limit", "deny_unattended": "deny_unattended", "not_covered": "not_covered", "deny_no_police_report": "deny_no_police_report"}, "amount": {"a": 41900, "b": 0, "c": 120000, "d": 51800, "e": 110100}}}, "text_sha256": "3779e6febee07c31602db45e762304cbd054a1fb96d793081ce3506be1e5d1ee", "state_tokens": 1217}}
{"state": "REVIEW REQUEST\nItem: After a 40% discount, a jacket costs $129.60. What was the price before the discount, to the nearest cent?\nSubmitted result: Pretty sure it's $216.00", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$169.60", "b": "$181.44", "c": "$77.76", "d": "$216.01", "e": "$216.00"}, "src": "hard_judge", "label": "e"}}, "_meta": {"id": "hard-v1/judge/development/00009", "source": "hard_judge", "group_id": "hard-v1/judge/development/00009", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "reverse_pct", "error": null, "facts": {"kind": "reverse_pct", "args": {"after": "648/5", "p": "2/5"}, "dp": 2, "proposed": 21600, "error": null, "options_q": {"value": {"a": 16960, "b": 18144, "c": 7776, "d": 21601, "e": 21600}}}, "text_sha256": "63ec603e90697540c4e6a748c8522a8bb9150c6c191bec3d8bcd70f81a794611", "state_tokens": 53}}
{"state": "MEMO\nRe: Alert precision\n\nA churn model marks customers as at risk. Historically, twenty-five percent of customers are going to cancel within 90 days. When one of the customers is going to cancel within 90 days, the system marks it eighty percent of the time.\n\nWhen one of the customers is not going to cancel within 90 days, the system still marks it two percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that one of the customers that the system has marked is actually going to cancel within 90 days?", "criteria": {"a": "25.0%", "b": "93.0%", "c": "80.0%", "d": "20.0%", "e": "98.0%"}, "src": "hard_probability", "label": "b"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that one of the customers that the system has marked is going to cancel within 90 days?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 5}}, "_meta": {"id": "hard-v1/probability/development/00056", "source": "hard_probability", "group_id": "hard-v1/probability/development/00056", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "bayes", "facts": {"kind": "bayes", "p": {"base": "25/100", "sens": "80/100", "fpr": "2/100"}, "options_q": {"value": {"a": 250, "b": 930, "c": 800, "d": 200, "e": 980}}, "qid2": "bucket"}, "text_sha256": "ae992b4bc13f45928cd31cd5cc96e36500a2c56c37777e0f1bf236b76baa903d", "state_tokens": 88}}
{"state": "MEMO\nRe: Price match\n\nWe match a competitor's lower price for an identical item if the competitor has it in stock at the time of the request, but we never match a price more than 20% below ours. If the competitor's price is not lower, no adjustment is needed. Lotte Varga asked us to match Juniper Analytics's price for the same blender model. Our price is $661.00; Juniper Analytics lists it at $575.07.\n\nJuniper Analytics had the blender in stock when Lotte asked. Lotte is a returning customer.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"match_price": "Match the competitor's price", "not_enough_information": "The information given is not enough to decide", "decline_match": "Decline the price match", "no_adjustment": "No adjustment needed"}, "src": "hard_ambiguous", "label": "match_price"}}, "_meta": {"id": "hard-v1/ambiguous/development/00092", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00092", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "price_match", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "price_match", "insufficient_key": "not_enough_information", "params": {"ours_cents": 66100, "theirs_cents": 57507, "max_gap_pct": 20, "in_stock": true}, "deciding_present": true, "options_q": {"decision": {"match_price": "match_price", "not_enough_information": "not_enough_information", "decline_match": "decline_match", "no_adjustment": "no_adjustment"}}}, "text_sha256": "cf6bcefb5023299f4f2ed4ceb29dc0d3c3eda116e2238391841b65672f745536", "state_tokens": 127}}
{"state": "MEMO\nRe: Approval routing\n\nPurchase requests of this size must be approved by the requester's manager's manager (the skip-level manager). Owen reports to Wen. Wen reports to Hugo.\n\nFelix reports to Bram. Tess reports to Greta. Omar reports to Greta.\n\nGreta reports to Hugo. Elin is a Senior Manager. Dmitri is a Chief Executive.\n\nRafael is a Vice President. Omar is a Manager. Hugo is a Director.\n\nTess is a Manager. Sana is a Vice President. Felix is a Director.\n\nGreta is a Senior Manager. Colm is a Senior Manager. Mira is a Director.\n\nOwen is a Manager. Wen is a Senior Manager. Bram is a Director.\n\nElin reports to Bram. Rafael reports to Dmitri. Colm reports to Mira.\n\nHugo reports to Sana. Sana reports to Dmitri. Mira reports to Rafael.\n\nBram reports to Rafael. Omar has submitted a purchase request for $10,250.", "questions": {"approver": {"type": "choice", "instructions": "Which person has to approve the request?", "criteria": {"greta": null, "dmitri": null, "felix": null, "sana": null, "hugo": null}, "src": "hard_multi_hop", "label": "hugo"}}, "_meta": {"id": "hard-v1/multi_hop/development/00019", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00019", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "org", "rule": "skip", "hops": 4, "facts": {"kind": "org", "reports": {"Sana": "Dmitri", "Rafael": "Dmitri", "Hugo": "Sana", "Bram": "Rafael", "Mira": "Rafael", "Greta": "Hugo", "Wen": "Hugo", "Elin": "Bram", "Felix": "Bram", "Colm": "Mira", "Tess": "Greta", "Omar": "Greta", "Owen": "Wen"}, "titles": {"Dmitri": "Chief Executive", "Sana": "Vice President", "Rafael": "Vice President", "Hugo": "Director", "Bram": "Director", "Mira": "Director", "Greta": "Senior Manager", "Wen": "Senior Manager", "Elin": "Senior Manager", "Felix": "Director", "Colm": "Senior Manager", "Tess": "Manager", "Omar": "Manager", "Owen": "Manager"}, "requester": "Omar", "rule": "skip", "min_title": "Director", "options_q": {"approver": {"greta": "greta", "dmitri": "dmitri", "felix": "felix", "sana": "sana", "hugo": "hugo"}}}, "text_sha256": "d5777be9ff1ae9393871cf6b3aede8f7a3b201bc182d1251f958a4cbe38850e8", "state_tokens": 216}}
{"state": "MEMO\nRe: Shift pay check\n\nA warehouse worker clocked in at 21:30 on November 16, 2026 and clocked out at 08:45 the next day. They took a 20-minute unpaid break. The hourly rate is $19.25.\n\nPaid time beyond 8 hours in a shift is paid at 1.5 times the hourly rate.", "questions": {"pay": {"type": "choice", "instructions": "Shift pay due:", "criteria": {"a": "$247.84", "b": "$315.22", "c": "$238.22", "d": "$216.56", "e": "$210.15"}, "src": "hard_temporal_numeric", "label": "c"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00000", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00000", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "shift", "overtime": true, "facts": {"kind": "shift", "start": "2026-11-16T21:30", "end": "2026-11-17T08:45", "break_min": 20, "rate_cents": 1925, "ot_after_h": 8, "options_q": {"pay": {"a": 24784, "b": 31522, "c": 23822, "d": 21656, "e": 21015}}}, "text_sha256": "65bce618be4816fd111f7f5bebb8f08ed65012a22ec03545d8111b47aa4e9454", "state_tokens": 91}}
{"state": "HOUSEHOLD CONTENTS COVER: POLICY BOOKLET\nIssued by Oakfield Assurance\nIn this policy, \"the Insurer\" means Oakfield Assurance and \"the Policyholder\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Art and antiques means paintings, antiques, rugs and other works of art.\n(2) Bicycles means bicycles and electric scooters.\n(3) Business day means Monday to Friday, excluding public holidays.\n(4) Family means the Policyholder's spouse or partner and any children who live with the Policyholder.\n(5) Forcible entry means entry to the home that leaves visible damage to doors, windows or locks.\n(6) Garden items means garden furniture, plants and outdoor tools.\n(7) High-risk items means jewellery, watches, laptops, games consoles and cameras.\n(8) Limit means the most the Insurer will pay for all claims under a section arising from one incident.\n(9) Outbuilding means a shed, garage or greenhouse within the boundaries of the home.\n(10) Portable electronics means laptops, tablets and mobile phones.\n(11) Premium means the amount the Policyholder must pay for this policy, including any taxes.\n(12) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(13) Unoccupied means not lived in by the Policyholder or a member of the Policyholder's family for more than 60 consecutive days.\n\n§ 2  Limits and excess\n(1) Theft: limit $20,000 per incident; excess $250 per claim.\n(2) Escape of Water: limit $30,000 per incident; excess $250 per claim.\n(3) Accidental Damage: limit $3,000 per incident; excess $50 per claim.\n(4) Flood: limit $20,000 per incident; excess $500 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the excess is then deducted from the result.\n\n§ 3  Instalment agreements\n(1) If the Policyholder pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 4  Optional cover: Accidental Damage\n(1) The Insurer will pay for sudden and unexpected accidental damage to the Policyholder's contents inside the home.\n(2) This section applies only if it is shown as purchased in the Policyholder's schedule.\n(3) The most the Insurer will pay for Portable electronics under this section is $750 per incident.\n(4) The Insurer will not pay for damage caused by pets.\n(5) The Insurer will not pay for wear and tear, or damage that happens gradually.\n\n§ 5  Theft\n(1) The Insurer will pay for contents stolen from the Policyholder's home.\n(2) The most the Insurer will pay for High-risk items under this section is $1,000 per incident.\n(3) The most the Insurer will pay for Bicycles under this section is $500 per incident.\n(4) The Insurer will not pay for theft while the home is unoccupied.\n(5) The Insurer will not pay for theft where there is no sign of forced entry to the home. This exclusion does not apply where the thief gained entry by deception, for example by posing as a utility worker.\n(6) The Insurer will not pay for theft from sheds, garages or other outbuildings. This exclusion does not apply if the outbuilding was locked and the theft involved forcible entry.\n\n§ 6  Communication\n(1) The Insurer will communicate with the Policyholder in English.\n(2) The Insurer may record telephone calls for training and quality purposes.\n\n§ 7  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Policyholder should be sent to the address shown in the schedule.\n\n§ 8  Subrogation\n(1) The Insurer will be entitled to take over and conduct in the Policyholder's name the defence or settlement of any claim.\n(2) The Insurer can take action in the Policyholder's name to recover any payment the Insurer makes from anyone responsible for the loss.\n\n§ 9  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 10  Assignment\n(1) The Policyholder cannot transfer the Policyholder's interest in this policy to anyone else without the Insurer's written consent.\n\n§ 11  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 12  Flood\n(1) The Insurer will pay for contents damaged by flood water entering the Policyholder's home.\n(2) No cover applies under this section to any incident that happens within the first 60 days after the policy start date.\n(3) The most the Insurer will pay for Garden items under this section is $500 per incident.\n(4) The Insurer will not pay for flood damage where a flood warning for the Policyholder's area had been issued before the policy started.\n\n§ 13  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 14  Locks and keys\n(1) If the keys to the Policyholder's home are lost or stolen, the Insurer will pay the cost of replacing the locks to the outside doors.\n(2) The most the Insurer will pay under this clause is $300 for any one claim.\n\n§ 15  Complaints\n(1) If the Policyholder has a complaint, the Policyholder should first contact the Insurer's customer relations team, quoting the policy number.\n(2) The Insurer will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Policyholder remains dissatisfied, the Policyholder may be able to refer the complaint to an independent ombudsman service.\n\n§ 16  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 17  Records and evidence\n(1) The Policyholder should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 18  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Policyholder to repay the amount.\n\n§ 19  Customer support\n(1) The Insurer's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Policyholder can leave a message and the Insurer will call back on the next working day.\n\n§ 20  Freezer contents\n(1) The Insurer will pay for food in a domestic freezer that spoils because of a rise or fall in temperature.\n(2) The Insurer will not pay if the freezer is more than fifteen years old, or if the electricity supplier cut the supply deliberately.\n\n§ 21  Interest\n(1) The Insurer will not pay interest on any claim payment unless the law requires it.\n\n§ 22  Automatic renewal\n(1) Unless the Policyholder tells the Insurer otherwise, this policy will renew automatically at the end of the policy period using the payment details the Insurer holds.\n(2) The Policyholder can switch off automatic renewal at any time by contacting the Insurer's helpline.\n\n§ 23  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 24  Garden and outdoor cover\n(1) The Insurer will pay for plants, trees and shrubs in the garden of the home that are damaged by fire, lightning or theft.\n(2) The Insurer will not pay for damage caused by frost, storms, drought or animals.\n\n§ 25  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 26  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Insurer will pay only the Insurer's proportionate share.\n(2) The Policyholder must tell the Insurer about any other insurance that covers the same loss when the Policyholder makes a claim.\n\n§ 27  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Policyholder must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 28  Payment of claims\n(1) The Insurer will pay claims by bank transfer to an account in the Policyholder's name.\n(2) The Insurer aims to pay accepted claims within 5 working days of receiving all the documents the Insurer needs.\n\n§ 29  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Policyholder gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Policyholder's claims history.\n\n§ 30  Alternative accommodation\n(1) If the Policyholder's home cannot be lived in after damage covered by this policy, the Insurer will pay the reasonable cost of comparable temporary accommodation.\n(2) The Insurer will also pay for the temporary housing of pets that live with the Policyholder.\n(3) Cover ends when the home is fit to live in again or after twelve months, whichever is sooner.\n\n§ 31  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 32  Data protection\n(1) The Insurer will use the personal information the Policyholder provides to administer this policy and to handle claims.\n(2) The Insurer will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Policyholder can ask for a copy of the personal information the Insurer holds by writing to the Insurer's data protection officer.\n\n§ 33  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 34  Environmental commitment\n(1) Where practical, the Insurer will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Policyholder may ask for a new part instead, and the Insurer will tell the Policyholder whether any additional cost would apply.\n\n§ 35  Escape of Water\n(1) The Insurer will pay for contents damaged by water escaping from a fixed pipe, tank or domestic appliance.\n(2) The most the Insurer will pay for Art and antiques under this section is $1,000 per incident.\n(3) The Insurer will not pay for damage caused by water leaking gradually over a period of time.\n(4) The Insurer will not pay for damage caused by the failure of grout or sealant around baths and showers.\n\n§ 36  Tenant's improvements\n(1) If the Policyholder rents the home, the Insurer will pay for damage to fixtures and fittings that the Policyholder installed and are responsible for.\n(2) This cover applies only to improvements the Policyholder paid for, not to items provided by the landlord.\n\n§ 37  Electronic documents\n(1) The Insurer will send documents by email unless the Policyholder asks for paper copies.\n(2) The Policyholder must tell the Insurer if the Policyholder's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 38  General exclusions\n(1) The Insurer will not pay for any deliberate or criminal act by the Policyholder.\n(2) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n(3) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n(4) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(5) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n\n§ 39  Claims documents\n(1) The Policyholder must provide, at the Policyholder's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 40  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 41  Renewal\n(1) The Insurer will write to the Policyholder at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 42  Making a claim\n(1) The Policyholder must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Insurer may appoint a loss adjuster to investigate any claim.\n(3) The Policyholder must notify the Insurer of a claim within 30 days of the incident. The Insurer will not pay any claim notified after that time.\n\n=== CLAIM ===\nClaim summary: Nia Varga; policy D613871; policy start 12 May 2025; schedule covers Theft, Escape of Water, Accidental Damage, Flood; extensions none. Section claimed: Escape of Water, for a bed and wardrobe. Incident date 29 October 2025; notified 23 November 2025; assessed loss $44,354. Facts: The plumber's report says the pipe failed suddenly. A pipe under the kitchen sink burst suddenly during a cold night and soaked the bed and wardrobe. Nia has lived at the property for four years. Nia works from home three days a week.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_late": "Decline: the claim was notified too late (§ 42(3))", "deny_sealant": "Decline under the failed sealant exclusion (§ 35(4))", "pay_less_fee": "Pay the assessed loss less the excess", "deny_gradual": "Decline under the gradual leaks exclusion (§ 35(3))", "pay_limit": "Pay up to the Escape of Water limit"}, "src": "hard_long_policy", "label": "pay_limit"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$750", "b": "$30,000", "c": "$44,354", "d": "$29,750", "e": "$44,104"}, "src": "hard_long_policy", "label": "d"}}, "_meta": {"id": "hard-v1/long_policy/development/00076", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00076", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "home", "target": "pay_limit", "category": "water", "tempting": null, "facts": {"domain": "home", "fee_order": "after", "notice_days": 30, "categories": {"theft": {"limit": 20000, "fee": 250, "waiting": 0, "purchased": true}, "water": {"limit": 30000, "fee": 250, "waiting": 0, "purchased": true}, "accidental": {"limit": 3000, "fee": 50, "waiting": 0, "purchased": true}, "flood": {"limit": 20000, "fee": 500, "waiting": 60, "purchased": true}}, "classes": {"high_risk": {"category": "theft", "cap": 1000}, "bicycles": {"category": "theft", "cap": 500}, "art": {"category": "water", "cap": 1000}, "portable": {"category": "accidental", "cap": 750}, "garden": {"category": "flood", "cap": 500}}, "exclusions": [{"key": "unoccupied", "categories": ["theft"], "kind": "threshold", "thr": 60, "cmp": "gt", "has_exception": false}, {"key": "no_forced_entry", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "outbuilding", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "gradual", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "sealant", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pets", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear_home", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "flood_warning", "categories": ["flood"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "water", "item": "the bed and wardrobe", "item_class": null, "loss_cents": 4435400, "start": "2025-05-12", "incident": "2025-10-29", "reported": "2025-11-23", "conditions": {"gradual": false}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"deny_late": "deny_late", "deny_sealant": "deny_sealant", "pay_less_fee": "pay_less_fee", "deny_gradual": "deny_gradual", "pay_limit": "pay_limit"}, "amount": {"a": 75000, "b": 3000000, "c": 4435400, "d": 2975000, "e": 4410400}}}, "text_sha256": "73eca1a2d6098d0a3566fbea541fdbde84a7df70721030acb6e73c57057c694b", "state_tokens": 3406}}
{"state": "SPEC SHEET: a CI/CD provider for the platform team\nBuildkite Lite | monthly cost=$2,175 | median build time=9 minutes | parallel jobs=28 jobs | self-hosted runners=yes | SSO login=no\nLoop Deploy | monthly cost=$1,000 | median build time=23 minutes | parallel jobs=40 jobs | self-hosted runners=yes | SSO login=yes\nTessel Build | monthly cost=$2,575 | median build time=17 minutes | parallel jobs=14 jobs | self-hosted runners=yes | SSO login=no\nR1: it must offer self-hosted runners\nR2: its monthly cost must be at most $1,575\nSelection: Among the options that meet every requirement, choose the one with the highest parallel jobs; if two or more are tied on parallel jobs, choose the one with the lowest median build time.", "questions": {"choice": {"type": "choice", "instructions": "Which provider best satisfies the brief?", "criteria": {"loop_deploy": null, "buildkite_lite": null, "tessel_build": null}, "src": "hard_tradeoff", "label": "loop_deploy"}, "meets": {"type": "noul", "instructions": "Does Buildkite Lite meet every hard requirement?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00051", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00051", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "provider", "none_case": false, "facts": {"rule": "lex", "options": {"Buildkite Lite": {"cost": 2175, "build": 9, "concurrency": 28, "selfhosted": true, "sso": false}, "Loop Deploy": {"cost": 1000, "build": 23, "concurrency": 40, "selfhosted": true, "sso": true}, "Tessel Build": {"cost": 2575, "build": 17, "concurrency": 14, "selfhosted": true, "sso": false}}, "constraints": [{"attr": "selfhosted", "op": "is", "value": true}, {"attr": "cost", "op": "<=", "value": 1575}], "priority": [["concurrency", "higher"], ["build", "lower"]], "weights": {}, "years": null, "check": "Buildkite Lite", "options_q": {"choice": {"loop_deploy": "loop_deploy", "buildkite_lite": "buildkite_lite", "tessel_build": "tessel_build"}}}, "text_sha256": "123d62ec5ec54ed453e701c256c813c28c5f9e693747b1d1131c0219b13530cb", "state_tokens": 196}}
{"state": "REVIEW REQUEST\nItem: Rule: a discount applies if the order total is over $100 but not if the item is on clearance. Facts: the order total is over $100; the item is on clearance; it is not true that it is the customer's birthday month. Does the discount apply?\nSubmitted result: Pretty sure it's No, the discount does not apply.", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}}, "_meta": {"id": "hard-v1/judge/development/00018", "source": "hard_judge", "group_id": "hard-v1/judge/development/00018", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "logic", "error": null, "facts": {"kind": "logic", "args": {"atoms": ["over", "clearance", "birthday"], "form": "and_not", "values": {"over": true, "clearance": true, "birthday": false}}, "proposed": false, "error": null}, "text_sha256": "a537478048fd6705228f2bf56ddb561029ba27682f109f1ebdbec87819a44e7d", "state_tokens": 82}}
{"state": "SPEC SHEET: an office lease for the new Leeds team\nAlbion Court | monthly rent=$8,700 | average commute=52 minutes | capacity=75 desks | one-time setup fee=$18,000 | on-site parking=yes | step-free access=no\nMill Yard | monthly rent=$4,300 | average commute=40 minutes | capacity=27 desks | one-time setup fee=$21,500 | on-site parking=no | step-free access=yes\nWellington Place | monthly rent=$9,600 | average commute=70 minutes | capacity=51 desks | one-time setup fee=$3,500 | on-site parking=yes | step-free access=yes\nCanal Wharf | monthly rent=$5,000 | average commute=40 minutes | capacity=56 desks | one-time setup fee=$6,000 | on-site parking=yes | step-free access=yes\nStation House | monthly rent=$9,500 | average commute=63 minutes | capacity=48 desks | one-time setup fee=$4,000 | on-site parking=yes | step-free access=yes\nR1: it must offer on-site parking\nSelection: Among the options that meet every requirement, choose the lowest total cost over 3 years: the one-time setup fee plus 3 years of the monthly cost.", "questions": {"choice": {"type": "choice", "instructions": "Which office best satisfies the brief?", "criteria": {"canal_wharf": null, "albion_court": null, "wellington_place": null, "mill_yard": null, "station_house": null}, "src": "hard_tradeoff", "label": "canal_wharf"}, "meets": {"type": "noul", "instructions": "Is Canal Wharf compliant with all the hard requirements?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00081", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00081", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "tco", "context": "office", "none_case": false, "facts": {"rule": "tco", "options": {"Albion Court": {"cost": 8700, "commute": 52, "desks": 75, "parking": true, "access": false, "setup": 18000}, "Mill Yard": {"cost": 4300, "commute": 40, "desks": 27, "parking": false, "access": true, "setup": 21500}, "Wellington Place": {"cost": 9600, "commute": 70, "desks": 51, "parking": true, "access": true, "setup": 3500}, "Canal Wharf": {"cost": 5000, "commute": 40, "desks": 56, "parking": true, "access": true, "setup": 6000}, "Station House": {"cost": 9500, "commute": 63, "desks": 48, "parking": true, "access": true, "setup": 4000}}, "constraints": [{"attr": "parking", "op": "is", "value": true}], "priority": [], "weights": {}, "years": 3, "check": "Canal Wharf", "options_q": {"choice": {"canal_wharf": "canal_wharf", "albion_court": "albion_court", "wellington_place": "wellington_place", "mill_yard": "mill_yard", "station_house": "station_house"}}}, "text_sha256": "d5b9f88731474f0cd40ceb1269c8e06b3c6713b619081f611e6a264c96acc417", "state_tokens": 294}}
{"state": "DEVICE PROTECTION PLAN TERMS\nIssued by Tessera Warranty Company\nIn this policy, \"the Provider\" means Tessera Warranty Company and \"the Customer\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Accessories means cases, chargers, earbuds and styluses.\n(2) Accessories means cases, chargers and earbuds.\n(3) Assessed loss means the cost of repair or replacement agreed by the Provider, before any service fee, limit or sublimit is applied.\n(4) Authorised repairer means a repairer approved in writing by the Provider.\n(5) Battery replacement means replacement batteries and battery repairs.\n(6) Breakdown means the failure of a part to work as the manufacturer intended, from an internal electrical or mechanical fault.\n(7) Business day means Monday to Friday, excluding public holidays.\n(8) Device means the item shown in the schedule, bought new from an authorised retailer.\n(9) Incident means a single event, or a series of events arising from one cause.\n(10) Limit means the most the Provider will pay for all claims under a section arising from one incident.\n(11) Manufacturer's warranty period means the first 12 months after the device was bought.\n(12) Policy period means twelve months from the policy start date shown in the Customer's schedule.\n(13) Premium means the amount the Customer must pay for this policy, including any taxes.\n(14) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(15) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(16) Replacement device means a device of the same or similar specification, which may be refurbished.\n(17) Schedule means the document issued with this policy that shows the Customer's details, the covers the Customer bought and any extensions.\n(18) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(19) Wearables means smartwatches and fitness trackers.\n\n§ 2  Limits and service fee\n(1) Accidental Damage: limit $1,200 per incident; service fee $99 per claim.\n(2) Breakdown: limit $1,000 per incident; service fee $49 per claim.\n(3) Theft and Loss: limit $1,200 per incident; service fee $99 per claim.\n(4) The service fee is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Optional cover: Theft and Loss\n(1) The Provider will replace the Customer's device if it is stolen or lost.\n(2) This section applies only if it is shown as purchased in the Customer's schedule.\n(3) The most the Provider will pay for Accessories under this section is $100 per incident.\n(4) The Provider will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Provider will not pay for theft that was not reported to the police.\n\n§ 4  Breakdown\n(1) The Provider will repair or replace the Customer's device if it stops working because of an electrical or mechanical fault.\n(2) No cover applies under this section to any incident that happens within the first 30 days after the policy start date.\n(3) The most the Provider will pay for Battery replacement under this section is $120 per incident.\n(4) The Provider will not pay for breakdowns during the manufacturer's warranty period.\n(5) The Provider will not pay for breakdown caused by liquid getting into the device.\n\n§ 5  Accidental Damage\n(1) The Provider will repair or replace the Customer's device if it is accidentally damaged.\n(2) The most the Provider will pay for Accessories under this section is $100 per incident.\n(3) The most the Provider will pay for Wearables under this section is $250 per incident.\n(4) The Provider will not pay for cosmetic damage, such as scratches or dents, that does not affect how the device works.\n(5) The Provider will not pay for damage following a repair by anyone other than the Provider or an authorised repairer. This exclusion does not apply if the Provider approved the repair in writing beforehand.\n\n§ 6  General exclusions\n(1) The Provider will not pay for loss caused by nuclear radiation or radioactive contamination.\n(2) The Provider will not pay for loss arising from a government order or sanction that prohibits the Provider from paying.\n(3) The Provider will not pay for any fraudulent claim or any claim supported by false documents.\n(4) The Provider will not pay for loss of value or loss of use that does not involve physical loss or damage.\n\n§ 7  Making a claim\n(1) The Customer must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Customer must notify the Provider of a claim within 60 days of the incident. The Provider will not pay any claim notified after that time.\n(3) The Provider may appoint a loss adjuster to investigate any claim.\n\n§ 8  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Provider may charge the premium without the discount from that date.\n\n§ 9  Salvage\n(1) When the Provider replaces an item, the damaged or recovered item becomes the Provider's property.\n(2) If stolen property is recovered after the Provider has paid a claim, the Customer must tell the Provider and either return the payment or give the Provider the property.\n\n§ 10  Recovery of costs\n(1) If the Provider pays a claim that is later found not to be covered, the Provider may ask the Customer to repay the amount.\n\n§ 11  Repair process\n(1) After a claim is accepted, the Provider will send a prepaid mailer or book a courier collection.\n(2) The Provider aims to return repaired devices within 10 business days of receiving them.\n\n§ 12  Records and evidence\n(1) The Customer should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Provider may base any settlement on the price of a comparable item.\n(3) The Provider may ask for evidence of how and when an item was acquired.\n\n§ 13  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Provider may adjust the premium from the date of the change.\n\n§ 14  Claims documents\n(1) The Customer must provide, at the Customer's own expense, original receipts, invoices, reports and any other evidence the Provider reasonably ask for.\n(2) The Provider may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 15  Cooperation\n(1) The Customer must give the Provider all the help and information the Provider reasonably need to settle a claim.\n(2) The Customer must not admit liability or offer to settle any claim without the Provider's written permission.\n\n§ 16  Compensation scheme\n(1) The Provider is covered by a financial services compensation scheme.\n(2) If the Provider cannot meet the Provider's obligations, the Customer may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 17  Assignment\n(1) The Customer cannot transfer the Customer's interest in this policy to anyone else without the Provider's written consent.\n\n§ 18  Transferring the plan\n(1) The Customer may transfer the plan to a new owner of the device by telling the Provider in writing.\n(2) The remaining term of the plan transfers with the device; the term does not restart.\n\n§ 19  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 20  Customer support\n(1) The Provider's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Customer can leave a message and the Provider will call back on the next working day.\n\n§ 21  Arbitration\n(1) If the Provider accepts a claim but disagree with the Customer about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Provider.\n\n§ 22  Sanctions\n(1) The Provider will not provide cover or pay any claim to the extent that doing so would expose the Provider to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 23  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 24  Unrecoverable devices\n(1) If a device is found after the Provider has replaced it, the found device becomes the Provider's property and must be sent to the Provider.\n(2) The Provider may block devices reported as lost or stolen so that they cannot be used on mobile networks.\n\n§ 25  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 26  Electronic documents\n(1) The Provider will send documents by email unless the Customer asks for paper copies.\n(2) The Customer must tell the Provider if the Customer's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 27  Waiver\n(1) If the Provider does not enforce any term of this policy, that does not mean the Provider has given up the right to enforce it later.\n\n§ 28  Data protection\n(1) The Provider will use the personal information the Customer provides to administer this policy and to handle claims.\n(2) The Provider will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Customer can ask for a copy of the personal information the Provider holds by writing to the Provider's data protection officer.\n\n§ 29  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Provider will pay only the Provider's proportionate share.\n(2) The Customer must tell the Provider about any other insurance that covers the same loss when the Customer makes a claim.\n\n§ 30  Premium payment\n(1) The Customer must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Provider may cancel the policy after giving notice.\n\n§ 31  Environmental commitment\n(1) Where practical, the Provider will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Customer may ask for a new part instead, and the Provider will tell the Customer whether any additional cost would apply.\n\n§ 32  Instalment agreements\n(1) If the Customer pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 33  Subrogation\n(1) The Provider will be entitled to take over and conduct in the Customer's name the defence or settlement of any claim.\n(2) The Provider can take action in the Customer's name to recover any payment the Provider makes from anyone responsible for the loss.\n\n§ 34  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 35  Changes in circumstances\n(1) The Customer must tell the Provider as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Provider may then change the premium or the terms of this policy, or cancel it.\n\n§ 36  Cancellation\n(1) The Customer can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Customer can cancel at any time; the Provider will refund the premium for the unexpired period less an administration charge of $30.\n(3) The Provider can cancel this policy by giving the Customer 30 days' written notice to the last address the Provider holds.\n\n§ 37  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 38  Exchange of information\n(1) To prevent fraud, the Provider may check the details the Customer gives against public records and industry databases.\n(2) The Provider may contact previous insurers to confirm the Customer's claims history.\n\n§ 39  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Provider will not pay the claim and all cover under this policy may be cancelled.\n(2) The Provider may share information with fraud prevention agencies and other insurers.\n\n§ 40  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 41  Software support\n(1) The Provider's helpline can give advice on setting up and using the Customer's device.\n(2) Software support does not include fixing problems caused by third-party apps or unofficial operating systems.\n\n§ 42  Data and backups\n(1) The Provider is not responsible for recovering or restoring any data, software or settings stored on the Customer's device.\n(2) The Customer should back up the Customer's data regularly and before sending the device for repair.\n\n§ 43  Communication\n(1) The Provider will communicate with the Customer in English.\n(2) The Provider may record telephone calls for training and quality purposes.\n\n§ 44  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 45  Interest\n(1) The Provider will not pay interest on any claim payment unless the law requires it.\n\n§ 46  Reasonable precautions\n(1) The Customer must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Customer must take reasonable steps to recover lost or stolen property.\n\n§ 47  Renewal\n(1) The Provider will write to the Customer at least 21 days before the end of the policy period with the renewal terms.\n(2) The Provider is not obliged to offer renewal.\n\n§ 48  Notices\n(1) Any notice the Provider gives under this policy will be sent to the most recent postal or email address the Provider holds.\n(2) Notices from the Customer should be sent to the address shown in the schedule.\n\n§ 49  Third-party administrators\n(1) The Provider may appoint another company to handle claims or other services on the Provider's behalf.\n(2) Any company the Provider appoints must follow the terms of this policy and applicable data protection law.\n\n=== CLAIM ===\nClaim summary: Farah Brennan; policy D216120; policy start 15 July 2025; schedule covers Accidental Damage, Breakdown; extensions none. Section claimed: Theft and Loss, for a laptop. Incident date 13 April 2026; notified 2 June 2026; assessed loss $1,612. Facts: The vehicle was locked, and the laptop was stowed in the covered trunk where it could not be seen. Farah had left the laptop in a parked car while visiting a museum. The retailer's receipt was uploaded with the claim. Farah bought the device from an authorised retailer.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_no_police_report": "Decline under the unreported theft exclusion (§ 3(5))", "deny_unattended": "Decline under the unattended property exclusion (§ 3(4))", "deny_late": "Decline: the claim was notified too late (§ 7(2))", "not_covered": "Decline: Theft and Loss is not a cover shown in the schedule", "pay_sublimit": "Pay up to the Accessories sublimit (§ 3(3))"}, "src": "hard_long_policy", "label": "not_covered"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$1,101", "b": "$1,612", "c": "$0", "d": "$1", "e": "$1,513"}, "src": "hard_long_policy", "label": "c"}}, "_meta": {"id": "hard-v1/long_policy/development/00098", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00098", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "device", "target": "not_covered", "category": "theft_loss", "tempting": "unattended", "facts": {"domain": "device", "fee_order": "before", "notice_days": 60, "categories": {"accidental_damage": {"limit": 1200, "fee": 99, "waiting": 0, "purchased": true}, "breakdown": {"limit": 1000, "fee": 49, "waiting": 30, "purchased": true}, "theft_loss": {"limit": 1200, "fee": 99, "waiting": 0, "purchased": false}}, "classes": {"accessories": {"category": "accidental_damage", "cap": 100}, "wearables": {"category": "accidental_damage", "cap": 250}, "battery": {"category": "breakdown", "cap": 120}, "accessories_tl": {"category": "theft_loss", "cap": 100}}, "exclusions": [{"key": "cosmetic_damage", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unauthorised_repair", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "manufacturer_warranty", "categories": ["breakdown"], "kind": "threshold", "thr": 12, "cmp": "lt", "has_exception": false}, {"key": "liquid", "categories": ["breakdown"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unattended", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "no_police_report", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "theft_loss", "item": "the laptop", "item_class": null, "loss_cents": 161200, "start": "2025-07-15", "incident": "2026-04-13", "reported": "2026-06-02", "conditions": {"unattended": true}, "values": {}, "exceptions": {"unattended": true}}, "options_q": {"outcome": {"deny_no_police_report": "deny_no_police_report", "deny_unattended": "deny_unattended", "deny_late": "deny_late", "not_covered": "not_covered", "pay_sublimit": "pay_sublimit"}, "amount": {"a": 110100, "b": 161200, "c": 0, "d": 100, "e": 151300}}}, "text_sha256": "ba27d28edce2cb1e41f929b4eeeca03464004d7212af729e4d0c1d08fdfb2dba", "state_tokens": 3624}}
{"state": "RENTERS CONTENTS PROTECTION\nIssued by Lantern General Insurance\nIn this policy, \"the Insurer\" means Lantern General Insurance and \"the Policyholder\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Art and antiques means paintings, antiques, rugs and other works of art.\n(2) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(3) Bicycles means bicycles and electric scooters.\n(4) Business day means Monday to Friday, excluding public holidays.\n(5) Family means the Policyholder's spouse or partner and any children who live with the Policyholder.\n(6) Forcible entry means entry to the home that leaves visible damage to doors, windows or locks.\n(7) Garden items means garden furniture, plants and outdoor tools.\n(8) High-risk items means jewellery, watches, laptops, games consoles and cameras.\n(9) Home means the private residence at the address shown in the schedule.\n(10) Incident means a single event, or a series of events arising from one cause.\n(11) Limit means the most the Insurer will pay for all claims under a section arising from one incident.\n(12) Outbuilding means a shed, garage or greenhouse within the boundaries of the home.\n(13) Policy period means twelve months from the policy start date shown in the Policyholder's schedule.\n(14) Portable electronics means laptops, tablets and mobile phones.\n(15) Premium means the amount the Policyholder must pay for this policy, including any taxes.\n(16) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(17) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(18) Schedule means the document issued with this policy that shows the Policyholder's details, the covers the Policyholder bought and any extensions.\n(19) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(20) Unoccupied means not lived in by the Policyholder or a member of the Policyholder's family for more than 45 consecutive days.\n\n§ 2  Limits and excess\n(1) Theft: limit $40,000 per incident; excess $500 per claim.\n(2) Escape of Water: limit $30,000 per incident; excess $1,000 per claim.\n(3) Accidental Damage: limit $5,000 per incident; excess $100 per claim.\n(4) Flood: limit $40,000 per incident; excess $1,000 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the excess is then deducted from the result.\n\n§ 3  Flood\n(1) The Insurer will pay for contents damaged by flood water entering the Policyholder's home.\n(2) No cover applies under this section to any incident that happens within the first 14 days after the policy start date.\n(3) The most the Insurer will pay for Garden items under this section is $1,000 per incident.\n(4) The Insurer will not pay for flood damage where a flood warning for the Policyholder's area had been issued before the policy started.\n\n§ 4  Optional cover: Accidental Damage\n(1) The Insurer will pay for sudden and unexpected accidental damage to the Policyholder's contents inside the home.\n(2) This section applies only if it is shown as purchased in the Policyholder's schedule.\n(3) The most the Insurer will pay for Portable electronics under this section is $750 per incident.\n(4) The Insurer will not pay for damage caused by pets.\n(5) The Insurer will not pay for wear and tear, or damage that happens gradually.\n\n§ 5  Theft\n(1) The Insurer will pay for contents stolen from the Policyholder's home.\n(2) The most the Insurer will pay for High-risk items under this section is $1,500 per incident.\n(3) The most the Insurer will pay for Bicycles under this section is $500 per incident.\n(4) The Insurer will not pay for theft while the home is unoccupied.\n(5) The Insurer will not pay for theft where there is no sign of forced entry to the home. This exclusion does not apply where the thief gained entry by deception, for example by posing as a utility worker.\n(6) The Insurer will not pay for theft from sheds, garages or other outbuildings. This exclusion does not apply if the outbuilding was locked and the theft involved forcible entry.\n\n§ 6  Escape of Water\n(1) The Insurer will pay for contents damaged by water escaping from a fixed pipe, tank or domestic appliance.\n(2) The most the Insurer will pay for Art and antiques under this section is $2,000 per incident.\n(3) The Insurer will not pay for damage caused by water leaking gradually over a period of time.\n(4) The Insurer will not pay for damage caused by the failure of grout or sealant around baths and showers.\n\n§ 7  General exclusions\n(1) The Insurer will not pay for any deliberate or criminal act by the Policyholder.\n(2) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n(3) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(4) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n\n§ 8  Making a claim\n(1) The Policyholder must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Policyholder must notify the Insurer of a claim within 90 days of the incident. The Insurer will not pay any claim notified after that time.\n(3) The Insurer may appoint a loss adjuster to investigate any claim.\n\n§ 9  Third-party administrators\n(1) The Insurer may appoint another company to handle claims or other services on the Insurer's behalf.\n(2) Any company the Insurer appoints must follow the terms of this policy and applicable data protection law.\n\n§ 10  Assignment\n(1) The Policyholder cannot transfer the Policyholder's interest in this policy to anyone else without the Insurer's written consent.\n\n§ 11  Instalment agreements\n(1) If the Policyholder pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 12  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Policyholder should be sent to the address shown in the schedule.\n\n§ 13  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 14  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 15  Customer support\n(1) The Insurer's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Policyholder can leave a message and the Insurer will call back on the next working day.\n\n§ 16  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 17  Alternative accommodation\n(1) If the Policyholder's home cannot be lived in after damage covered by this policy, the Insurer will pay the reasonable cost of comparable temporary accommodation.\n(2) The Insurer will also pay for the temporary housing of pets that live with the Policyholder.\n(3) Cover ends when the home is fit to live in again or after twelve months, whichever is sooner.\n\n§ 18  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Policyholder to repay the amount.\n\n§ 19  Communication\n(1) The Insurer will communicate with the Policyholder in English.\n(2) The Insurer may record telephone calls for training and quality purposes.\n\n§ 20  Reasonable precautions\n(1) The Policyholder must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Policyholder must take reasonable steps to recover lost or stolen property.\n\n§ 21  Renewal\n(1) The Insurer will write to the Policyholder at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 22  Claims documents\n(1) The Policyholder must provide, at the Policyholder's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 23  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 24  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 25  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 26  Data protection\n(1) The Insurer will use the personal information the Policyholder provides to administer this policy and to handle claims.\n(2) The Insurer will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Policyholder can ask for a copy of the personal information the Insurer holds by writing to the Insurer's data protection officer.\n\n§ 27  Duty of fair presentation\n(1) The Policyholder must answer all questions the Insurer asks honestly and to the best of the Policyholder's knowledge.\n(2) If the Policyholder gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Policyholder gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 28  Tenant's improvements\n(1) If the Policyholder rents the home, the Insurer will pay for damage to fixtures and fittings that the Policyholder installed and are responsible for.\n(2) This cover applies only to improvements the Policyholder paid for, not to items provided by the landlord.\n\n§ 29  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 30  Electronic documents\n(1) The Insurer will send documents by email unless the Policyholder asks for paper copies.\n(2) The Policyholder must tell the Insurer if the Policyholder's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 31  Changes in circumstances\n(1) The Policyholder must tell the Insurer as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Insurer may then change the premium or the terms of this policy, or cancel it.\n\n§ 32  Garden and outdoor cover\n(1) The Insurer will pay for plants, trees and shrubs in the garden of the home that are damaged by fire, lightning or theft.\n(2) The Insurer will not pay for damage caused by frost, storms, drought or animals.\n\n§ 33  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 34  Cancellation\n(1) The Policyholder can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Policyholder can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $25.\n(3) The Insurer can cancel this policy by giving the Policyholder 30 days' written notice to the last address the Insurer holds.\n\n§ 35  Cooperation\n(1) The Policyholder must give the Insurer all the help and information the Insurer reasonably need to settle a claim.\n(2) The Policyholder must not admit liability or offer to settle any claim without the Insurer's written permission.\n\n§ 36  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 37  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Policyholder must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 38  Compensation scheme\n(1) The Insurer is covered by a financial services compensation scheme.\n(2) If the Insurer cannot meet the Insurer's obligations, the Policyholder may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 39  Payment of claims\n(1) The Insurer will pay claims by bank transfer to an account in the Policyholder's name.\n(2) The Insurer aims to pay accepted claims within 5 working days of receiving all the documents the Insurer needs.\n\n§ 40  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 41  Records and evidence\n(1) The Policyholder should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 42  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 43  Change of address\n(1) The Policyholder must tell the Insurer within 30 days if the Policyholder changes the Policyholder's address.\n(2) The Insurer may change the premium or the terms from the date of the move.\n\n§ 44  Complaints\n(1) If the Policyholder has a complaint, the Policyholder should first contact the Insurer's customer relations team, quoting the policy number.\n(2) The Insurer will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Policyholder remains dissatisfied, the Policyholder may be able to refer the complaint to an independent ombudsman service.\n\n§ 45  Contents temporarily removed\n(1) The Policyholder's contents are covered while temporarily removed from the home to another building in the same country, for up to 60 days.\n(2) Contents in a student hall of residence are covered only if the student is a member of the Policyholder's family.\n\n§ 46  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Insurer will pay only the Insurer's proportionate share.\n(2) The Policyholder must tell the Insurer about any other insurance that covers the same loss when the Policyholder makes a claim.\n\n§ 47  Inflation\n(1) The Insurer may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Policyholder's renewal documents; limits do not change during a policy period.\n\n§ 48  Market conditions\n(1) If the replacement item is no longer available, the Insurer will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 49  Locks and keys\n(1) If the keys to the Policyholder's home are lost or stolen, the Insurer will pay the cost of replacing the locks to the outside doors.\n(2) The most the Insurer will pay under this clause is $500 for any one claim.\n\n§ 50  Freezer contents\n(1) The Insurer will pay for food in a domestic freezer that spoils because of a rise or fall in temperature.\n(2) The Insurer will not pay if the freezer is more than fifteen years old, or if the electricity supplier cut the supply deliberately.\n\n§ 51  Subrogation\n(1) The Insurer will be entitled to take over and conduct in the Policyholder's name the defence or settlement of any claim.\n(2) The Insurer can take action in the Policyholder's name to recover any payment the Insurer makes from anyone responsible for the loss.\n\n§ 52  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 53  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 54  Automatic renewal\n(1) Unless the Policyholder tells the Insurer otherwise, this policy will renew automatically at the end of the policy period using the payment details the Insurer holds.\n(2) The Policyholder can switch off automatic renewal at any time by contacting the Insurer's helpline.\n\n§ 55  Environmental commitment\n(1) Where practical, the Insurer will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Policyholder may ask for a new part instead, and the Insurer will tell the Policyholder whether any additional cost would apply.\n\n§ 56  Arbitration\n(1) If the Insurer accepts a claim but disagree with the Policyholder about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Insurer.\n\n§ 57  Waiver\n(1) If the Insurer does not enforce any term of this policy, that does not mean the Insurer has given up the right to enforce it later.\n\n§ 58  Premium payment\n(1) The Policyholder must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 7 days of its due date, the Insurer may cancel the policy after giving notice.\n\n§ 59  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Policyholder gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Policyholder's claims history.\n\n§ 60  Interest\n(1) The Insurer will not pay interest on any claim payment unless the law requires it.\n\n=== CLAIM ===\nClaim summary: Ravi Nguyen; policy D637144; policy start 17 November 2025; schedule covers Theft, Escape of Water, Flood; extensions none. Section claimed: Theft, for a laptop. Incident date 28 September 2026; notified 8 December 2026; assessed loss $1,256. Facts: Police found no sign of forced entry. The home had been empty for 42 consecutive days when the theft happened. The building is a converted warehouse with six flats.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_less_fee": "Pay the assessed loss less the excess", "pay_limit": "Pay up to the Theft limit", "deny_outbuilding": "Decline under the outbuildings exclusion (§ 5(6))", "not_covered": "Decline: Theft is not a cover shown in the schedule", "deny_no_forced_entry": "Decline under the theft without forced entry exclusion (§ 5(5))"}, "src": "hard_long_policy", "label": "deny_no_forced_entry"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$1,500", "b": "$1,000", "c": "$756", "d": "$0", "e": "$1,256"}, "src": "hard_long_policy", "label": "d"}}, "_meta": {"id": "hard-v1/long_policy/development/00089", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00089", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "home", "target": "deny_exclusion", "category": "theft", "tempting": null, "facts": {"domain": "home", "fee_order": "after", "notice_days": 90, "categories": {"theft": {"limit": 40000, "fee": 500, "waiting": 0, "purchased": true}, "water": {"limit": 30000, "fee": 1000, "waiting": 0, "purchased": true}, "accidental": {"limit": 5000, "fee": 100, "waiting": 0, "purchased": false}, "flood": {"limit": 40000, "fee": 1000, "waiting": 14, "purchased": true}}, "classes": {"high_risk": {"category": "theft", "cap": 1500}, "bicycles": {"category": "theft", "cap": 500}, "art": {"category": "water", "cap": 2000}, "portable": {"category": "accidental", "cap": 750}, "garden": {"category": "flood", "cap": 1000}}, "exclusions": [{"key": "unoccupied", "categories": ["theft"], "kind": "threshold", "thr": 45, "cmp": "gt", "has_exception": false}, {"key": "no_forced_entry", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "outbuilding", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "gradual", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "sealant", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pets", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear_home", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "flood_warning", "categories": ["flood"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "theft", "item": "the laptop", "item_class": "high_risk", "loss_cents": 125600, "start": "2025-11-17", "incident": "2026-09-28", "reported": "2026-12-08", "conditions": {"no_forced_entry": true}, "values": {"unoccupied": 42}, "exceptions": {"no_forced_entry": false}}, "options_q": {"outcome": {"pay_less_fee": "pay_less_fee", "pay_limit": "pay_limit", "deny_outbuilding": "deny_outbuilding", "not_covered": "not_covered", "deny_no_forced_entry": "deny_no_forced_entry"}, "amount": {"a": 150000, "b": 100000, "c": 75600, "d": 0, "e": 125600}}}, "text_sha256": "560b81e3bd09df29551ddccbc1fbabc1b4f69d4d78968d61acb985287def8c8f", "state_tokens": 4627}}
{"state": "MEMO\nRe: Group structure\n\nAn entity controls a company if it holds more than 50% of that company's shares, counting shares it holds directly and shares held by companies it controls. Birchfield Capital owns 24% of Juno Capital. Cresta Group owns 36% of Juno Capital.\n\nHollis Investments owns 54% of Birchfield Capital. Kilnworth plc owns 46% of Birchfield Capital. Lysander Group owns 40% of Juno Capital.", "questions": {"controller": {"type": "choice", "instructions": "Name the ultimate controller of Juno Capital.", "criteria": {"hollis_investments": null, "birchfield_capital": null, "cresta_group": null, "lysander_group": null, "no_controller": "No entity controls it"}, "src": "hard_multi_hop", "label": "no_controller"}, "interest": {"type": "choice", "instructions": "What is Hollis Investments's effective economic interest in Juno Capital (its share of Juno Capital's profits through all holdings)?", "criteria": {"a": "13.0%", "b": "54.0%", "c": "60.0%", "d": "26.0%", "e": "24.0%"}, "src": "hard_multi_hop", "label": "a"}}, "_meta": {"id": "hard-v1/multi_hop/development/00025", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00025", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "ownership", "shape": "none", "facts": {"kind": "ownership", "stakes": {"Birchfield Capital": {"Hollis Investments": "54/100", "Kilnworth plc": "46/100"}, "Juno Capital": {"Birchfield Capital": "24/100", "Lysander Group": "40/100", "Cresta Group": "36/100"}}, "candidates": ["Hollis Investments", "Lysander Group", "Birchfield Capital", "Cresta Group"], "target": "Juno Capital", "top": "Hollis Investments", "options_q": {"controller": {"hollis_investments": "hollis_investments", "birchfield_capital": "birchfield_capital", "cresta_group": "cresta_group", "lysander_group": "lysander_group", "no_controller": "no_controller"}, "interest": {"a": 130, "b": 540, "c": 600, "d": 260, "e": 240}}}, "text_sha256": "992c59ec95d9bf4376a4421ed7b256ebad50ef884c6e596807f91204f046218a", "state_tokens": 110}}
{"state": "SINGLE-TRIP TRAVEL PROTECTION PLAN\nIssued by Northstar Underwriting\nIn this policy, \"the Insurer\" means Northstar Underwriting and \"the Insured Person\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Dental treatment means treatment of the teeth or gums.\n(2) Excursions and tickets means pre-booked excursions, tours, and event or theatre tickets.\n(3) Hazardous activity means skydiving, motor racing, or trekking or climbing above 4,000 metres.\n(4) Physiotherapy means treatment of muscles and joints by a physiotherapist.\n(5) Policy period means twelve months from the policy start date shown in the Insured Person's schedule.\n(6) Pre-existing condition means any illness or injury for which the Insured Person received treatment or advice in the 6 months before the policy start date.\n(7) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n\n§ 2  Limits and excess\n(1) Baggage and Personal Belongings: limit $1,500 per incident; excess $75 per claim.\n(2) Emergency Medical Expenses: limit $10,000 per incident; excess $250 per claim.\n(3) Trip Cancellation: limit $3,000 per incident; excess $100 per claim.\n(4) Travel Delay: limit $500 per incident; excess $50 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Trip Cancellation\n(1) The Insurer will pay non-refundable travel and accommodation costs if the Insured Person must cancel the trip for a reason beyond the Insured Person's control.\n(2) No cover applies under this section to any incident that happens within the first 10 days after the policy start date.\n(3) The most the Insurer will pay for Excursions and tickets under this section is $200 per incident.\n(4) The Insurer will not pay for cancellation caused by a strike or other event that had been publicly announced before the Insured Person bought the policy.\n(5) The Insurer will not pay for cancellation because the Insured Person no longer wish to travel.\n\n§ 4  Emergency Medical Expenses\n(1) The Insurer will pay reasonable and necessary emergency medical costs incurred during the trip.\n(2) The most the Insurer will pay for Dental treatment under this section is $250 per incident.\n(3) The most the Insurer will pay for Physiotherapy under this section is $500 per incident.\n(4) The Insurer will not pay for treatment of a pre-existing condition.\n(5) The Insurer will not pay for injury or illness arising from a hazardous activity. This exclusion does not apply if the Adventure Sports extension is shown in the Insured Person's schedule.\n(6) The Insurer will not pay for any claim arising from the Insured Person's being under the influence of alcohol or drugs.\n\n§ 5  General exclusions\n(1) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(2) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n\n§ 6  Making a claim\n(1) The Insured Person must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Insured Person must notify the Insurer of a claim within 30 days of the incident. The Insurer will not pay any claim notified after that time.\n(3) The Insurer may appoint a loss adjuster to investigate any claim.\n\n§ 7  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 8  Records and evidence\n(1) The Insured Person should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 9  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 10  Market conditions\n(1) If the replacement item is no longer available, the Insurer will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 11  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 12  Changes in circumstances\n(1) The Insured Person must tell the Insurer as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Insurer may then change the premium or the terms of this policy, or cancel it.\n\n§ 13  Environmental commitment\n(1) Where practical, the Insurer will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Insured Person may ask for a new part instead, and the Insurer will tell the Insured Person whether any additional cost would apply.\n\n§ 14  Emergency assistance\n(1) The Insurer's emergency assistance service is available 24 hours a day on the number shown in the schedule.\n(2) The Insured Person must contact the assistance service before being admitted to hospital as an in-patient, unless it is an emergency.\n(3) The assistance service can arrange payment guarantees, interpreters and transport home.\n\n§ 15  Data protection\n(1) The Insurer will use the personal information the Insured Person provides to administer this policy and to handle claims.\n(2) The Insurer will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Insured Person can ask for a copy of the personal information the Insurer holds by writing to the Insurer's data protection officer.\n\n§ 16  Cooperation\n(1) The Insured Person must give the Insurer all the help and information the Insurer reasonably need to settle a claim.\n(2) The Insured Person must not admit liability or offer to settle any claim without the Insurer's written permission.\n\n§ 17  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Insured Person gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Insured Person's claims history.\n\n§ 18  Compensation scheme\n(1) The Insurer is covered by a financial services compensation scheme.\n(2) If the Insurer cannot meet the Insurer's obligations, the Insured Person may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 19  Complaints\n(1) If the Insured Person has a complaint, the Insured Person should first contact the Insurer's customer relations team, quoting the policy number.\n(2) The Insurer will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Insured Person remains dissatisfied, the Insured Person may be able to refer the complaint to an independent ombudsman service.\n\n§ 20  Inflation\n(1) The Insurer may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Insured Person's renewal documents; limits do not change during a policy period.\n\n§ 21  Arbitration\n(1) If the Insurer accepts a claim but disagree with the Insured Person about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Insurer.\n\n§ 22  Personal liability\n(1) The Insurer will pay damages the Insured Person becomes legally liable to pay for accidental injury to another person or accidental damage to their property during the trip.\n(2) This section does not cover liability arising from the use of motor vehicles, boats or aircraft.\n(3) The most the Insurer will pay under this section is $1,000,000 for all claims arising from one event.\n\n§ 23  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Insurer will pay only the Insurer's proportionate share.\n(2) The Insured Person must tell the Insurer about any other insurance that covers the same loss when the Insured Person makes a claim.\n\n§ 24  Payment of claims\n(1) The Insurer will pay claims by bank transfer to an account in the Insured Person's name.\n(2) The Insurer aims to pay accepted claims within 10 working days of receiving all the documents the Insurer needs.\n\n§ 25  Subrogation\n(1) The Insurer will be entitled to take over and conduct in the Insured Person's name the defence or settlement of any claim.\n(2) The Insurer can take action in the Insured Person's name to recover any payment the Insurer makes from anyone responsible for the loss.\n\n=== CLAIM ===\nClaim summary: Rosa Tanaka; policy H569575; policy start 11 June 2025; schedule covers Baggage and Personal Belongings, Emergency Medical Expenses, Trip Cancellation, Travel Delay; extensions Adventure Sports extension. Section claimed: Emergency Medical Expenses, for a hospital stay for acute appendicitis. Incident date 3 September 2025; notified 5 September 2025; assessed loss $11,341. Facts: The schedule shows that the Adventure Sports extension was purchased. The problem began while Rosa was trekking at an altitude of 4,949 metres. The trip was booked through an online travel agent.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_limit": "Pay up to the Emergency Medical Expenses limit", "deny_hazardous": "Decline under the hazardous activities exclusion (§ 4(5))", "pay_sublimit": "Pay up to the Dental treatment sublimit (§ 4(2))", "not_covered": "Decline: Emergency Medical Expenses is not a cover shown in the schedule", "deny_late": "Decline: the claim was notified too late (§ 6(2))"}, "src": "hard_long_policy", "label": "pay_limit"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$11,091", "b": "$10,000", "c": "$0", "d": "$11,341", "e": "$9,750"}, "src": "hard_long_policy", "label": "b"}}, "_meta": {"id": "hard-v1/long_policy/development/00099", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00099", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "travel", "target": "pay_limit", "category": "medical", "tempting": "hazardous", "facts": {"domain": "travel", "fee_order": "before", "notice_days": 30, "categories": {"baggage": {"limit": 1500, "fee": 75, "waiting": 0, "purchased": true}, "medical": {"limit": 10000, "fee": 250, "waiting": 0, "purchased": true}, "cancellation": {"limit": 3000, "fee": 100, "waiting": 10, "purchased": true}, "delay": {"limit": 500, "fee": 50, "waiting": 0, "purchased": true}}, "classes": {"valuables": {"category": "baggage", "cap": 500}, "sports": {"category": "baggage", "cap": 300}, "dental": {"category": "medical", "cap": 250}, "physio": {"category": "medical", "cap": 500}, "excursions": {"category": "cancellation", "cap": 200}}, "exclusions": [{"key": "unattended", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "confiscation", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pre_existing", "categories": ["medical"], "kind": "threshold", "thr": 6, "cmp": "le", "has_exception": false}, {"key": "hazardous", "categories": ["medical"], "kind": "threshold", "thr": 4000, "cmp": "gt", "has_exception": true}, {"key": "intoxication", "categories": ["medical"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "known_event", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "change_of_mind", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "short_delay", "categories": ["delay"], "kind": "threshold", "thr": 12, "cmp": "le", "has_exception": false}], "case": {"category": "medical", "item": "the hospital stay", "item_class": null, "loss_cents": 1134100, "start": "2025-06-11", "incident": "2025-09-03", "reported": "2025-09-05", "conditions": {}, "values": {"hazardous": 4949}, "exceptions": {"hazardous": true}}, "options_q": {"outcome": {"pay_limit": "pay_limit", "deny_hazardous": "deny_hazardous", "pay_sublimit": "pay_sublimit", "not_covered": "not_covered", "deny_late": "deny_late"}, "amount": {"a": 1109100, "b": 1000000, "c": 0, "d": 1134100, "e": 975000}}}, "text_sha256": "26b9f960f6d4edc2ef9ee1c3b3268edb5fe02c9b603015dfab45640b6ffdab9c", "state_tokens": 2226}}
{"state": "MEMO\nRe: Shift pay check\n\nA warehouse worker clocked in at 15:15 on April 3, 2027 and clocked out at 03:00 the next day. They took a 45-minute unpaid break. The hourly rate is $28.50.\n\nPaid time beyond 8 hours in a shift is paid at 1.5 times the hourly rate.", "questions": {"pay": {"type": "choice", "instructions": "Shift pay due:", "criteria": {"a": "$334.88", "b": "$313.50", "c": "$470.25", "d": "$388.31", "e": "$356.25"}, "src": "hard_temporal_numeric", "label": "e"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00011", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00011", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "shift", "overtime": true, "facts": {"kind": "shift", "start": "2027-04-03T15:15", "end": "2027-04-04T03:00", "break_min": 45, "rate_cents": 2850, "ot_after_h": 8, "options_q": {"pay": {"a": 33488, "b": 31350, "c": 47025, "d": 38831, "e": 35625}}}, "text_sha256": "cf7b3e952c1ede0c799ecc003eabe2bcfde8bf82e539d90a42f93420e290f036", "state_tokens": 90}}
{"state": "MEMO\nRe: Quarterly breakdown\n\nCounts of units inspected last week by shift and result: night shift: 378 defective, 184 passed. day shift: 200 defective, 260 passed.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, Among night shift records, what share were defective?", "criteria": {"a": "67.3%", "b": "37.0%", "c": "56.6%", "d": "55.0%", "e": "65.4%"}, "src": "hard_probability", "label": "a"}}, "_meta": {"id": "hard-v1/probability/development/00094", "source": "hard_probability", "group_id": "hard-v1/probability/development/00094", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "table", "facts": {"kind": "table", "p": {}, "counts": {"night shift": {"defective": 378, "passed": 184}, "day shift": {"defective": 200, "passed": 260}}, "row": "night shift", "col": "defective", "ask": "col_given_row", "options_q": {"value": {"a": 673, "b": 370, "c": 566, "d": 550, "e": 654}}}, "text_sha256": "4a6c903a400889959b355effa6dd5ee64d7c361517e5fbf41e1202b233a345ff", "state_tokens": 49}}
{"state": "REVIEW REQUEST\nItem: Convert 669 kilometres to miles (1 mile = 1.609344 km). Give the answer to one decimal place.\nSubmitted result: 1,076.7 miles", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "415.7 miles", "b": "1,076.8 miles", "c": "416.7 miles", "d": "1,076.7 miles", "e": "4,157.0 miles"}, "src": "hard_judge", "label": "a"}}, "_meta": {"id": "hard-v1/judge/development/00081", "source": "hard_judge", "group_id": "hard-v1/judge/development/00081", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "convert", "error": "inverted", "facts": {"kind": "convert", "args": {"x": "669", "factor": "15625/25146", "offset": 0}, "dp": 1, "proposed": 10767, "error": "inverted", "options_q": {"value": {"a": 4157, "b": 10768, "c": 4167, "d": 10767, "e": 41570}}}, "text_sha256": "a54916574de5f2f3e2e59b69616ceceb8506aab093cfd392e0a58ef648f8334b", "state_tokens": 50}}
{"state": "MEMO\nRe: Reliability estimate\n\nA checkout succeeds only if all 3 independent steps succeed: the fraud check, the tax service, the address validator. The fraud check succeeds ninety percent of the time. The tax service succeeds ninety-nine percent of the time.\n\nThe address validator succeeds ninety-two percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that a checkout succeeds?", "criteria": {"a": "0.0%", "b": "100.0%", "c": "82.0%", "d": "18.0%", "e": "90.0%"}, "src": "hard_probability", "label": "c"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that a checkout succeeds?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 4}}, "_meta": {"id": "hard-v1/probability/development/00015", "source": "hard_probability", "group_id": "hard-v1/probability/development/00015", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "independent", "facts": {"kind": "independent", "p": {}, "ps": ["90/100", "99/100", "92/100"], "ask": "all", "options_q": {"value": {"a": 0, "b": 1000, "c": 820, "d": 180, "e": 900}}, "qid2": "bucket"}, "text_sha256": "2b94aba45a5dba4ef405399229802a656e16fb18aa4cd4c715e579c9fa78dc5a", "state_tokens": 66}}
{"state": "MEMO\nRe: Invoice payment timing\n\nPayment reached the account on 4 June 2026. Invoice 43584 was issued on 15 May 2026. A late fee applies when payment arrives more than 30 days after the invoice date.", "questions": {"days": {"type": "choice", "instructions": "Number of days from invoice to payment:", "criteria": {"a": "21 days", "b": "22 days", "c": "19 days", "d": "20 days", "e": "18 days"}, "src": "hard_temporal_numeric", "label": "d"}, "late": {"type": "noul", "instructions": "Should the late fee be charged?", "src": "hard_temporal_numeric", "label": false}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00012", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00012", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "diff", "facts": {"kind": "diff", "invoice": "2026-05-15", "paid": "2026-06-04", "limit": 30, "options_q": {"days": {"a": 21, "b": 22, "c": 19, "d": 20, "e": 18}}}, "text_sha256": "b0f070964feb5f2959ee4fe5e9dddb85e7026b93913844b87810c01216d9f360", "state_tokens": 61}}
{"state": "MEMO\nRe: Subscription cancellation\n\nA customer paid $899.99 for an annual plan running from 12 December 2026 up to (but not including) 12 December 2027. They cancelled on 26 November 2027. Refund rule: refund the annual price multiplied by the number of unused days and divided by the number of days in the plan year; the cancellation day counts as used. Round to the nearest cent.", "questions": {"refund": {"type": "choice", "instructions": "Refund due:", "criteria": {"a": "$863.00", "b": "$36.99", "c": "$75.00", "d": "$36.88", "e": "$39.45"}, "src": "hard_temporal_numeric", "label": "b"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00068", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00068", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "prorata", "leap": false, "facts": {"kind": "prorata", "start": "2026-12-12", "end": "2027-12-12", "cancel": "2027-11-26", "price_cents": 89999, "options_q": {"refund": {"a": 86300, "b": 3699, "c": 7500, "d": 3688, "e": 3945}}}, "text_sha256": "dd9b18a549c74f973801738b07e05cb0caa8e0ae3f35003dd83285f170630f41", "state_tokens": 103}}
{"state": "SPEC SHEET: a marketing agency for the spring campaign\nSignal & Co | fee=$5,000 | lead time=12 weeks | portfolio rating=3/10 | B2B campaign experience=yes | in-house video production=yes\nNorthlight Studio | fee=$21,000 | lead time=2 weeks | portfolio rating=9/10 | B2B campaign experience=yes | in-house video production=yes\nPaper Kite | fee=$29,000 | lead time=3 weeks | portfolio rating=10/10 | B2B campaign experience=no | in-house video production=yes\nR1: it must offer B2B campaign experience\nR2: its fee must be at most $25,000\nSelection: Among the options that meet every requirement, choose the one with the highest portfolio rating; if two or more are tied on portfolio rating, choose the one with the lowest lead time.", "questions": {"choice": {"type": "choice", "instructions": "Which agency best satisfies the brief?", "criteria": {"northlight_studio": null, "signal_co": null, "paper_kite": null}, "src": "hard_tradeoff", "label": "northlight_studio"}, "meets": {"type": "noul", "instructions": "Does Paper Kite pass the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00015", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00015", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "agency", "none_case": false, "facts": {"rule": "lex", "options": {"Signal & Co": {"cost": 5000, "lead": 12, "portfolio": 3, "b2b": true, "inhouse": true}, "Northlight Studio": {"cost": 21000, "lead": 2, "portfolio": 9, "b2b": true, "inhouse": true}, "Paper Kite": {"cost": 29000, "lead": 3, "portfolio": 10, "b2b": false, "inhouse": true}}, "constraints": [{"attr": "b2b", "op": "is", "value": true}, {"attr": "cost", "op": "<=", "value": 25000}], "priority": [["portfolio", "higher"], ["lead", "lower"]], "weights": {}, "years": null, "check": "Paper Kite", "options_q": {"choice": {"northlight_studio": "northlight_studio", "signal_co": "signal_co", "paper_kite": "paper_kite"}}}, "text_sha256": "18d0717bd83dc09756eb4aa0302102e8607ad17740623ce016210eca2249927a", "state_tokens": 200}}
{"state": "MEMO\nRe: Alert from event pipeline\n\nPaging rule: an alert pages the owning team's primary on-call; if the primary is on leave that day, it pages the secondary; if the secondary is also on leave, it pages the team's engineering manager. The Mobile engineering manager is Mateo. This week's Storage primary on-call is Hana and the secondary is Nadia.\n\nAlerts from the login service are owned by the Mobile team. This week's Messaging primary on-call is Farah and the secondary is Colm. Alerts from the push gateway are owned by the Messaging team.\n\nAlerts from the event pipeline are owned by the Storage team. The Storage engineering manager is Amara. The Messaging engineering manager is Wen.\n\nThis week's Mobile primary on-call is Ashok and the secondary is Arjun. Hana is on leave from August 11, 2026 to August 14, 2026 inclusive. Alerts from the iOS release train are owned by the Storage team.\n\nOn August 13, 2026, an alert fired from the event pipeline.", "questions": {"paged": {"type": "choice", "instructions": "Who is the right person to page?", "criteria": {"farah": null, "hana": null, "nadia": null, "amara": null}, "src": "hard_multi_hop", "label": "nadia"}}, "_meta": {"id": "hard-v1/multi_hop/development/00066", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00066", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "oncall", "facts": {"kind": "oncall", "routes": {"iOS release train": "Storage", "login service": "Mobile", "push gateway": "Messaging", "event pipeline": "Storage"}, "primary": {"Storage": "Hana", "Mobile": "Ashok", "Messaging": "Farah"}, "secondary": {"Storage": "Nadia", "Mobile": "Arjun", "Messaging": "Colm"}, "manager": {"Storage": "Amara", "Mobile": "Mateo", "Messaging": "Wen"}, "leave": {"Hana": [["2026-08-11", "2026-08-14"]]}, "component": "event pipeline", "date": "2026-08-13", "options_q": {"paged": {"farah": "farah", "hana": "hana", "nadia": "nadia", "amara": "amara"}}}, "text_sha256": "183c061cd1fb508e97fa7b123142352b10a6020d175e55d9099877e118109a2f", "state_tokens": 233}}
{"state": "MEMO\nRe: Meeting across time zones\n\nA call is scheduled for Friday, January 9, 5:45 PM Dubai time. On that date Dubai is on UTC+4 and Denver is on UTC-6. One attendee is in Denver.", "questions": {"local": {"type": "choice", "instructions": "Local start time in Denver:", "criteria": {"a": "Friday, January 9, 7:45 AM", "b": "Saturday, January 10, 7:45 AM", "c": "Friday, January 9, 6:45 AM", "d": "Saturday, January 10, 3:45 AM", "e": "Friday, January 9, 8:45 AM"}, "src": "hard_temporal_numeric", "label": "a"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00030", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00030", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "tz", "facts": {"kind": "tz", "start": "2026-01-09T17:45", "off_a": 4, "off_b": -6, "options_q": {"local": {"a": "2026-01-09T07:45", "b": "2026-01-10T07:45", "c": "2026-01-09T06:45", "d": "2026-01-10T03:45", "e": "2026-01-09T08:45"}}}, "text_sha256": "067fb0a1325c19bd6ae84cd888aad6c9f91fe61a4dd4b33657f06faa561409e1", "state_tokens": 53}}
{"state": "REVIEW REQUEST\nItem: A shop bought 33 units at $44.83 each and later 207 units at $38.63 each. What is the average cost per unit across all units bought, to the nearest cent?\nSubmitted result: $39.48", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$4,737.90", "b": "$41.73", "c": "$39.48", "d": "$39.49", "e": "$43.98"}, "src": "hard_judge", "label": "c"}}, "_meta": {"id": "hard-v1/judge/development/00075", "source": "hard_judge", "group_id": "hard-v1/judge/development/00075", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "wavg", "error": null, "facts": {"kind": "wavg", "args": {"n1": 33, "p1": "4483/100", "n2": 207, "p2": "3863/100"}, "dp": 2, "proposed": 3948, "error": null, "options_q": {"value": {"a": 473790, "b": 4173, "c": 3948, "d": 3949, "e": 4398}}}, "text_sha256": "4dd8ef7e5de80df89ebf52d57d127f7a667d04c35447e183b66752bbf0877a4f", "state_tokens": 64}}
{"state": "MEMO\nRe: Alert precision\n\nA spam filter quarantines inbound emails. Historically, sixty percent of emails are spam. When one of the emails is spam, the system quarantines it ninety percent of the time.\n\nWhen one of the emails is not spam, the system still quarantines it ten percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that one of the emails that the system has quarantined is actually spam?", "criteria": {"a": "60.0%", "b": "93.1%", "c": "90.0%", "d": "54.0%", "e": "80.0%"}, "src": "hard_probability", "label": "b"}, "more_likely": {"type": "noul", "instructions": "Per the figures given, Is one of the emails that the system has quarantined more likely than not to be spam?", "src": "hard_probability", "label": true}}, "_meta": {"id": "hard-v1/probability/development/00036", "source": "hard_probability", "group_id": "hard-v1/probability/development/00036", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "bayes", "facts": {"kind": "bayes", "p": {"base": "60/100", "sens": "90/100", "fpr": "10/100"}, "options_q": {"value": {"a": 600, "b": 931, "c": 900, "d": 540, "e": 800}}, "qid2": "more_likely"}, "text_sha256": "421c7a79500e79b98d80badc521bb1536b12ff3863b1379d5675f21684cfd1cc", "state_tokens": 70}}
{"state": "MEMO\nRe: Complaint response deadline\n\nQuarry Street Studio must answer every formal complaint within 6 business days of receiving it. Business days are Monday to Friday, excluding the public holidays listed here; the day the complaint is received does not count. Public holidays this year: Remembrance Day (Saturday 1 August 2026); Midsummer Holiday (Friday 28 August 2026); Company Day (Tuesday 1 September 2026); Civic Day (Wednesday 2 September 2026); Spring Holiday (Monday 12 October 2026).\n\nA complaint was received on Wednesday 26 August 2026.", "questions": {"due": {"type": "choice", "instructions": "Compute the due date.", "criteria": {"a": "1 September 2026", "b": "9 September 2026", "c": "3 September 2026", "d": "8 September 2026", "e": "7 September 2026"}, "src": "hard_temporal_numeric", "label": "d"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00057", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00057", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "deadline", "facts": {"kind": "deadline", "received": "2026-08-26", "n": 6, "holidays": ["2026-08-01", "2026-08-28", "2026-09-01", "2026-09-02", "2026-10-12"], "options_q": {"due": {"a": "2026-09-01", "b": "2026-09-09", "c": "2026-09-03", "d": "2026-09-08", "e": "2026-09-07"}}}, "text_sha256": "9a30f77e156277c23b7755d64cdb64f3c5cf4b7708bebe1f926abc3d46e62ec6", "state_tokens": 142}}
{"state": "MEMO\nRe: Comparing odds\n\nThere is a forty-five percent chance that the supplier delivers on time. There is a ninety percent chance that the candidate accepts the offer; these two are independent. There is a forty-six percent chance that a new customer renews after the trial.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which is more likely?", "criteria": {"equally_likely": "They are equally likely", "second_event": "That a new customer renews after the trial", "first_event": "Both of these happen: the supplier delivers on time, and the candidate accepts the offer"}, "src": "hard_probability", "label": "second_event"}}, "_meta": {"id": "hard-v1/probability/development/00045", "source": "hard_probability", "group_id": "hard-v1/probability/development/00045", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "compare", "facts": {"kind": "compare", "p": {}, "a": {"op": "and", "p1": "45/100", "p2": "90/100"}, "b": "23/50", "options_q": {"choice": {"equally_likely": "equally_likely", "second_event": "second_event", "first_event": "first_event"}}}, "text_sha256": "fca4b0ebbb7207d7c91987ac16c5ed325a5a2ed665d823622e90ee652cee8b8a", "state_tokens": 58}}
{"state": "REVIEW REQUEST\nItem: After a 20% discount, a jacket costs $98.40. What was the price before the discount, to the nearest cent?\nSubmitted result: $118.08", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$118.08", "b": "$123.00", "c": "$118.09", "d": "$118.40", "e": "$78.72"}, "src": "hard_judge", "label": "b"}}, "_meta": {"id": "hard-v1/judge/development/00069", "source": "hard_judge", "group_id": "hard-v1/judge/development/00069", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "reverse_pct", "error": "wrong_base", "facts": {"kind": "reverse_pct", "args": {"after": "492/5", "p": "1/5"}, "dp": 2, "proposed": 11808, "error": "wrong_base", "options_q": {"value": {"a": 11808, "b": 12300, "c": 11809, "d": 11840, "e": 7872}}}, "text_sha256": "98f25cf91d3960e50613d80ce4fe812c8e384760475b697629962aff29057866", "state_tokens": 48}}
{"state": "SPEC SHEET: a marketing agency for the spring campaign\nNorthlight Studio | fee=$16,500 | lead time=10 weeks | portfolio rating=4/10 | B2B campaign experience=yes | in-house video production=no\nPaper Kite | fee=$22,500 | lead time=5 weeks | portfolio rating=5/10 | B2B campaign experience=no | in-house video production=yes\nSignal & Co | fee=$6,000 | lead time=6 weeks | portfolio rating=8/10 | B2B campaign experience=yes | in-house video production=yes\nWildfern Agency | fee=$12,500 | lead time=2 weeks | portfolio rating=9/10 | B2B campaign experience=no | in-house video production=yes\nR1: its portfolio rating must be at least 9/10\nR2: it must offer in-house video production\nSelection: Among the options that meet every requirement, choose the one with the lowest fee; if two or more are tied on fee, choose the one with the highest portfolio rating.", "questions": {"choice": {"type": "choice", "instructions": "Which agency best satisfies the brief?", "criteria": {"paper_kite": null, "signal_co": null, "northlight_studio": null, "wildfern_agency": null}, "src": "hard_tradeoff", "label": "wildfern_agency"}, "meets": {"type": "noul", "instructions": "Does Wildfern Agency pass the hard requirements?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00019", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00019", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "agency", "none_case": false, "facts": {"rule": "lex", "options": {"Northlight Studio": {"cost": 16500, "lead": 10, "portfolio": 4, "b2b": true, "inhouse": false}, "Paper Kite": {"cost": 22500, "lead": 5, "portfolio": 5, "b2b": false, "inhouse": true}, "Signal & Co": {"cost": 6000, "lead": 6, "portfolio": 8, "b2b": true, "inhouse": true}, "Wildfern Agency": {"cost": 12500, "lead": 2, "portfolio": 9, "b2b": false, "inhouse": true}}, "constraints": [{"attr": "portfolio", "op": ">=", "value": 9}, {"attr": "inhouse", "op": "is", "value": true}], "priority": [["cost", "lower"], ["portfolio", "higher"]], "weights": {}, "years": null, "check": "Wildfern Agency", "options_q": {"choice": {"paper_kite": "paper_kite", "signal_co": "signal_co", "northlight_studio": "northlight_studio", "wildfern_agency": "wildfern_agency"}}}, "text_sha256": "68e55cbc29c39b16b33a4f3a5154d1d114128728c3497f9f2a423f45686d12d0", "state_tokens": 235}}
{"state": "SPEC SHEET: an office lease for the new Leeds team\nAlbion Court | monthly rent=$14,300 | average commute=17 minutes | capacity=73 desks | security score=7/10 | scalability score=4/10 | ease of use score=3/10 | on-site parking=yes | step-free access=yes\nPark Row | monthly rent=$9,300 | average commute=47 minutes | capacity=72 desks | security score=4/10 | scalability score=3/10 | ease of use score=6/10 | on-site parking=yes | step-free access=yes\nStation House | monthly rent=$9,400 | average commute=52 minutes | capacity=23 desks | security score=5/10 | scalability score=3/10 | ease of use score=8/10 | on-site parking=yes | step-free access=yes\nR1: its monthly rent must be at most $11,800\nR2: it must offer on-site parking\nSelection: Each option has been scored from 1 to 10 on security, scalability and ease of use (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 45% security, 35% scalability, 20% ease of use.", "questions": {"choice": {"type": "choice", "instructions": "Which office best satisfies the brief?", "criteria": {"albion_court": null, "station_house": null, "park_row": null}, "src": "hard_tradeoff", "label": "station_house"}, "meets": {"type": "noul", "instructions": "Does Albion Court pass the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00055", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00055", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "office", "none_case": false, "facts": {"rule": "weighted", "options": {"Albion Court": {"cost": 14300, "commute": 17, "desks": 73, "parking": true, "access": true, "security": 7, "scalability": 4, "ease of use": 3}, "Park Row": {"cost": 9300, "commute": 47, "desks": 72, "parking": true, "access": true, "security": 4, "scalability": 3, "ease of use": 6}, "Station House": {"cost": 9400, "commute": 52, "desks": 23, "parking": true, "access": true, "security": 5, "scalability": 3, "ease of use": 8}}, "constraints": [{"attr": "cost", "op": "<=", "value": 11800}, {"attr": "parking", "op": "is", "value": true}], "priority": [], "weights": {"security": 45, "scalability": 35, "ease of use": 20}, "years": null, "check": "Albion Court", "options_q": {"choice": {"albion_court": "albion_court", "station_house": "station_house", "park_row": "park_row"}}}, "text_sha256": "f4cb4e72a76ddb94a951ab705f8dbb6f3c479daeab3b462e28d91a0743b66d36", "state_tokens": 290}}
{"state": "MEMO\nRe: Approval routing\n\nPurchase requests of this size must be approved by the nearest person above the requester in the reporting line whose title is Senior Manager or more senior. Seniority, from junior to senior: Analyst, Engineer, Manager, Senior Manager, Director, Vice President, Chief Executive. Luca reports to Felix. Bram reports to Yusuf.\n\nGreta reports to Ines. Aiko reports to Beatriz. Ines reports to Yusuf.\n\nNoah reports to Ines. Mira is a Senior Manager. Greta is a Director.\n\nAiko is an Engineer. Luca is a Manager. Lena is a Director.\n\nInes is a Vice President. Leila is a Senior Manager. Owen is a Manager.\n\nYusuf is a Chief Executive. Samir is a Manager. Noah is a Director.\n\nBeatriz is a Manager. Felix is a Senior Manager. Bram is a Vice President.\n\nMira reports to Lena. Felix reports to Greta. Samir reports to Mira.\n\nOwen reports to Leila. Leila reports to Noah. Lena reports to Bram.\n\nBeatriz reports to Mira. Aiko has submitted a purchase request for $53,000.", "questions": {"approver": {"type": "choice", "instructions": "Which person has to approve the request?", "criteria": {"beatriz": null, "lena": null, "yusuf": null, "mira": null, "bram": null}, "src": "hard_multi_hop", "label": "mira"}}, "_meta": {"id": "hard-v1/multi_hop/development/00062", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00062", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "org", "rule": "title", "hops": 5, "facts": {"kind": "org", "reports": {"Bram": "Yusuf", "Ines": "Yusuf", "Lena": "Bram", "Greta": "Ines", "Noah": "Ines", "Mira": "Lena", "Felix": "Greta", "Leila": "Noah", "Beatriz": "Mira", "Samir": "Mira", "Luca": "Felix", "Owen": "Leila", "Aiko": "Beatriz"}, "titles": {"Yusuf": "Chief Executive", "Bram": "Vice President", "Ines": "Vice President", "Lena": "Director", "Greta": "Director", "Noah": "Director", "Mira": "Senior Manager", "Felix": "Senior Manager", "Leila": "Senior Manager", "Beatriz": "Manager", "Samir": "Manager", "Luca": "Manager", "Owen": "Manager", "Aiko": "Engineer"}, "requester": "Aiko", "rule": "title", "min_title": "Senior Manager", "options_q": {"approver": {"beatriz": "beatriz", "lena": "lena", "yusuf": "yusuf", "mira": "mira", "bram": "bram"}}}, "text_sha256": "6c5f30763a476daaabb31dcdaeb8676ccd798a5f7ae46a6f34444116e905c3d2", "state_tokens": 249}}
{"state": "MEMO\nRe: Outage: order-queue\n\nOutages propagate along hard dependencies: if a service goes down, every service that depends on it, directly or through other hard dependencies, is affected. Soft dependencies do not propagate outages. pricing-engine depends on geo-lookup. email-relay depends on notification-hub.\n\nbilling-api depends on fraud-scorer. auth-service depends on search-indexer. fraud-scorer depends on order-queue.\n\norder-queue depends on checkout-web. geo-lookup depends on billing-api. reporting-etl depends on fraud-scorer (soft dependency: it degrades gracefully and keeps working if fraud-scorer is down).\n\nnotification-hub depends on search-indexer. order-queue is currently down.", "questions": {"affected": {"type": "choice", "instructions": "Which of these will the outage reach?", "criteria": {"checkout_web": null, "pricing_engine": null, "reporting_etl": null, "auth_service": null, "none_affected": "None of these services is affected"}, "src": "hard_multi_hop", "label": "pricing_engine"}}, "_meta": {"id": "hard-v1/multi_hop/development/00037", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00037", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "deps", "hops": 4, "soft": true, "facts": {"kind": "deps", "edges": [["fraud-scorer", "order-queue", false], ["billing-api", "fraud-scorer", false], ["geo-lookup", "billing-api", false], ["pricing-engine", "geo-lookup", false], ["order-queue", "checkout-web", false], ["notification-hub", "search-indexer", false], ["auth-service", "search-indexer", false], ["reporting-etl", "fraud-scorer", true], ["email-relay", "notification-hub", false]], "down": "order-queue", "candidates": ["pricing-engine", "checkout-web", "auth-service", "reporting-etl"], "options_q": {"affected": {"checkout_web": "checkout_web", "pricing_engine": "pricing_engine", "reporting_etl": "reporting_etl", "auth_service": "auth_service", "none_affected": "none_affected"}}}, "text_sha256": "0ee0277f8a405e1a459d1b4518463e33d16d03d23cea38467c81f98dad3c6eaf", "state_tokens": 157}}
{"state": "SPEC SHEET: a laptop model for the staff hardware refresh\nVector X1 | unit price=$1,260 | battery life=9 hours | weight=1.9 kg | documentation score=7/10 | security score=6/10 | vendor stability score=8/10 | three-year on-site warranty=yes | built-in LTE=yes\nSlate Pro | unit price=$790 | battery life=14 hours | weight=2.3 kg | documentation score=5/10 | security score=8/10 | vendor stability score=9/10 | three-year on-site warranty=yes | built-in LTE=yes\nOrbit 13 | unit price=$1,120 | battery life=15 hours | weight=1.4 kg | documentation score=4/10 | security score=10/10 | vendor stability score=3/10 | three-year on-site warranty=yes | built-in LTE=no\nR1: it must offer three-year on-site warranty\nR2: its weight must be at most 1.6 kg\nSelection: Each option has been scored from 1 to 10 on documentation, security and vendor stability (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 40% documentation, 40% security, 20% vendor stability.", "questions": {"choice": {"type": "choice", "instructions": "Which model best satisfies the brief?", "criteria": {"vector_x1": null, "orbit_13": null, "slate_pro": null, "none_qualifies": "Reject all options: none meets the requirements"}, "src": "hard_tradeoff", "label": "orbit_13"}, "meets": {"type": "noul", "instructions": "Is Vector X1 compliant with all the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00049", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00049", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "model", "none_case": false, "facts": {"rule": "weighted", "options": {"Vector X1": {"cost": 1260, "battery": 9, "weight": 19, "warranty": true, "lte": true, "documentation": 7, "security": 6, "vendor stability": 8}, "Slate Pro": {"cost": 790, "battery": 14, "weight": 23, "warranty": true, "lte": true, "documentation": 5, "security": 8, "vendor stability": 9}, "Orbit 13": {"cost": 1120, "battery": 15, "weight": 14, "warranty": true, "lte": false, "documentation": 4, "security": 10, "vendor stability": 3}}, "constraints": [{"attr": "warranty", "op": "is", "value": true}, {"attr": "weight", "op": "<=", "value": 16}], "priority": [], "weights": {"documentation": 40, "security": 40, "vendor stability": 20}, "years": null, "check": "Vector X1", "options_q": {"choice": {"vector_x1": "vector_x1", "orbit_13": "orbit_13", "slate_pro": "slate_pro", "none_qualifies": "none_qualifies"}}}, "text_sha256": "49a8f5dd34482b55b73d6218fa633bef8a5b779aa6939281af4e72da3522ddaf", "state_tokens": 293}}
{"state": "ANNUAL MULTI-TRIP TRAVEL COVER\nIssued by Compass Mutual\nIn this policy, \"the Insurer\" means Compass Mutual and \"the Insured Person\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(2) Dental treatment means treatment of the teeth or gums.\n(3) Excursions and tickets means pre-booked excursions, tours, and event or theatre tickets.\n(4) Family means the Insured Person's spouse or partner and any children who live with the Insured Person.\n(5) Hazardous activity means skydiving, motor racing, or trekking or climbing above 3,000 metres.\n(6) Limit means the most the Insurer will pay for all claims under a section arising from one incident.\n(7) Physiotherapy means treatment of muscles and joints by a physiotherapist.\n(8) Policy period means twelve months from the policy start date shown in the Insured Person's schedule.\n(9) Pre-existing condition means any illness or injury for which the Insured Person received treatment or advice in the 3 months before the policy start date.\n(10) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(11) Public transport means any scheduled train, bus, coach, ferry or aircraft.\n(12) Qualifying delay means a delay to the scheduled departure of more than 12 hours.\n(13) Sports equipment means skis, snowboards, golf clubs, surfboards and bicycles.\n(14) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(15) Territory means the countries in which cover applies, as shown in the schedule.\n(16) Travelling companion means a person who has booked to travel with the Insured Person on the same trip.\n(17) Trip means a journey that starts and ends in the Insured Person's home country during the policy period.\n(18) Valuables means laptops, tablets, mobile phones, cameras, watches and jewellery.\n\n§ 2  Limits and excess\n(1) Baggage and Personal Belongings: limit $2,000 per incident; excess $100 per claim.\n(2) Emergency Medical Expenses: limit $25,000 per incident; excess $150 per claim.\n(3) Trip Cancellation: limit $5,000 per incident; excess $50 per claim.\n(4) Travel Delay: limit $300 per incident; excess $50 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Optional cover: Travel Delay\n(1) The Insurer will pay reasonable costs of meals and accommodation if the Insured Person's outbound departure is delayed.\n(2) This section applies only if it is shown as purchased in the Insured Person's schedule.\n(3) The Insurer will not pay for any delay that is not a qualifying delay.\n\n§ 4  Trip Cancellation\n(1) The Insurer will pay non-refundable travel and accommodation costs if the Insured Person must cancel the trip for a reason beyond the Insured Person's control.\n(2) No cover applies under this section to any incident that happens within the first 10 days after the policy start date.\n(3) The most the Insurer will pay for Excursions and tickets under this section is $300 per incident.\n(4) The Insurer will not pay for cancellation caused by a strike or other event that had been publicly announced before the Insured Person bought the policy.\n(5) The Insurer will not pay for cancellation because the Insured Person no longer wish to travel.\n\n§ 5  Emergency Medical Expenses\n(1) The Insurer will pay reasonable and necessary emergency medical costs incurred during the trip.\n(2) The most the Insurer will pay for Dental treatment under this section is $400 per incident.\n(3) The most the Insurer will pay for Physiotherapy under this section is $300 per incident.\n(4) The Insurer will not pay for treatment of a pre-existing condition.\n(5) The Insurer will not pay for injury or illness arising from a hazardous activity. This exclusion does not apply if the Adventure Sports extension is shown in the Insured Person's schedule.\n(6) The Insurer will not pay for any claim arising from the Insured Person's being under the influence of alcohol or drugs.\n\n§ 6  Baggage and Personal Belongings\n(1) The Insurer will pay for the loss of, theft of, or damage to the Insured Person's baggage and personal belongings during the trip.\n(2) The most the Insurer will pay for Valuables under this section is $250 per incident.\n(3) The most the Insurer will pay for Sports equipment under this section is $450 per incident.\n(4) The Insurer will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Insurer will not pay for loss caused by confiscation or detention by customs or other officials.\n(6) The Insurer will not pay for damage caused by wear and tear or gradual deterioration.\n\n§ 7  General exclusions\n(1) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(2) The Insurer will not pay for any deliberate or criminal act by the Insured Person.\n(3) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n(4) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n(5) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n\n§ 8  Making a claim\n(1) The Insurer may appoint a loss adjuster to investigate any claim.\n(2) The Insured Person must notify the Insurer of a claim within 60 days of the incident. The Insurer will not pay any claim notified after that time.\n(3) The Insured Person must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 9  Records and evidence\n(1) The Insured Person should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 10  Payment of claims\n(1) The Insurer will pay claims by bank transfer to an account in the Insured Person's name.\n(2) The Insurer aims to pay accepted claims within 10 working days of receiving all the documents the Insurer needs.\n\n§ 11  Electronic documents\n(1) The Insurer will send documents by email unless the Insured Person asks for paper copies.\n(2) The Insured Person must tell the Insurer if the Insured Person's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 12  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 13  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 14  Compensation scheme\n(1) The Insurer is covered by a financial services compensation scheme.\n(2) If the Insurer cannot meet the Insurer's obligations, the Insured Person may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 15  Third-party administrators\n(1) The Insurer may appoint another company to handle claims or other services on the Insurer's behalf.\n(2) Any company the Insurer appoints must follow the terms of this policy and applicable data protection law.\n\n§ 16  Repatriation\n(1) If the Insurer's medical adviser agrees it is necessary, the Insurer will arrange and pay for the Insured Person to be brought home.\n(2) The Insurer will decide the method of transport and the time of repatriation after speaking to the treating doctor.\n\n§ 17  Arbitration\n(1) If the Insurer accepts a claim but disagree with the Insured Person about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Insurer.\n\n§ 18  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Insured Person to repay the amount.\n\n§ 19  Automatic renewal\n(1) Unless the Insured Person tells the Insurer otherwise, this policy will renew automatically at the end of the policy period using the payment details the Insurer holds.\n(2) The Insured Person can switch off automatic renewal at any time by contacting the Insurer's helpline.\n\n§ 20  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Insured Person gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Insured Person's claims history.\n\n§ 21  Environmental commitment\n(1) Where practical, the Insurer will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Insured Person may ask for a new part instead, and the Insurer will tell the Insured Person whether any additional cost would apply.\n\n§ 22  Reasonable precautions\n(1) The Insured Person must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Insured Person must take reasonable steps to recover lost or stolen property.\n\n§ 23  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 24  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 25  Cancellation\n(1) The Insured Person can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Insured Person can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $25.\n(3) The Insurer can cancel this policy by giving the Insured Person 30 days' written notice to the last address the Insurer holds.\n\n§ 26  Missed departure\n(1) The Insurer will pay reasonable additional travel and accommodation costs to reach the Insured Person's destination if the Insured Person arrives too late to board the Insured Person's booked transport because public transport fails.\n(2) The Insured Person must allow enough time to reach the departure point, and must obtain written confirmation of the delay from the transport operator.\n\n§ 27  Customer support\n(1) The Insurer's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Insured Person can leave a message and the Insurer will call back on the next working day.\n\n§ 28  Claims documents\n(1) The Insured Person must provide, at the Insured Person's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 29  Change of address\n(1) The Insured Person must tell the Insurer within 30 days if the Insured Person changes the Insured Person's address.\n(2) The Insurer may change the premium or the terms from the date of the move.\n\n=== CLAIM ===\nClaim summary: Idris Okafor; policy P384214; policy start 30 May 2025; schedule covers Baggage and Personal Belongings, Emergency Medical Expenses, Trip Cancellation, Travel Delay; extensions none. Section claimed: Emergency Medical Expenses, for six physiotherapy sessions for a torn ligament. Incident date 6 September 2025; notified 4 November 2025; assessed loss $788. Facts: The problem began while Idris was trekking at an altitude of 2,053 metres. Idris fell ill suddenly on the third day of the trip. The trip was booked through an online travel agent. Idris paid for the trip with a credit card. Idris was travelling with two colleagues.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_hazardous": "Decline under the hazardous activities exclusion (§ 5(5))", "pay_limit": "Pay up to the Emergency Medical Expenses limit", "deny_late": "Decline: the claim was notified too late (§ 8(2))", "pay_sublimit": "Pay up to the Physiotherapy sublimit (§ 5(3))", "deny_pre_existing": "Decline under the pre-existing conditions exclusion (§ 5(4))"}, "src": "hard_long_policy", "label": "pay_sublimit"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$24,850", "b": "$300", "c": "$788", "d": "$150", "e": "$638"}, "src": "hard_long_policy", "label": "b"}}, "_meta": {"id": "hard-v1/long_policy/development/00087", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00087", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "travel", "target": "pay_sublimit", "category": "medical", "tempting": null, "facts": {"domain": "travel", "fee_order": "before", "notice_days": 60, "categories": {"baggage": {"limit": 2000, "fee": 100, "waiting": 0, "purchased": true}, "medical": {"limit": 25000, "fee": 150, "waiting": 0, "purchased": true}, "cancellation": {"limit": 5000, "fee": 50, "waiting": 10, "purchased": true}, "delay": {"limit": 300, "fee": 50, "waiting": 0, "purchased": true}}, "classes": {"valuables": {"category": "baggage", "cap": 250}, "sports": {"category": "baggage", "cap": 450}, "dental": {"category": "medical", "cap": 400}, "physio": {"category": "medical", "cap": 300}, "excursions": {"category": "cancellation", "cap": 300}}, "exclusions": [{"key": "unattended", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "confiscation", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pre_existing", "categories": ["medical"], "kind": "threshold", "thr": 3, "cmp": "le", "has_exception": false}, {"key": "hazardous", "categories": ["medical"], "kind": "threshold", "thr": 3000, "cmp": "gt", "has_exception": true}, {"key": "intoxication", "categories": ["medical"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "known_event", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "change_of_mind", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "short_delay", "categories": ["delay"], "kind": "threshold", "thr": 12, "cmp": "le", "has_exception": false}], "case": {"category": "medical", "item": "the physiotherapy", "item_class": "physio", "loss_cents": 78800, "start": "2025-05-30", "incident": "2025-09-06", "reported": "2025-11-04", "conditions": {}, "values": {"hazardous": 2053}, "exceptions": {}}, "options_q": {"outcome": {"deny_hazardous": "deny_hazardous", "pay_limit": "pay_limit", "deny_late": "deny_late", "pay_sublimit": "pay_sublimit", "deny_pre_existing": "deny_pre_existing"}, "amount": {"a": 2485000, "b": 30000, "c": 78800, "d": 15000, "e": 63800}}}, "text_sha256": "db15aaf4b21b8f8fe24e5513e5a94777b428b30bee384301ea20ec44b1f125e4", "state_tokens": 2966}}
{"state": "REVIEW REQUEST\nItem: Monthly active users went from 510 to 558. What is the percentage change, to one decimal place (negative for a decrease)?\nSubmitted result: 9.4%", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "8.6%", "b": "48.0%", "c": "-9.4%", "d": "109.4%", "e": "9.4%"}, "src": "hard_judge", "label": "e"}}, "_meta": {"id": "hard-v1/judge/development/00012", "source": "hard_judge", "group_id": "hard-v1/judge/development/00012", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "pct_change", "error": null, "facts": {"kind": "pct_change", "args": {"old": 510, "new": 558}, "dp": 1, "proposed": 94, "error": null, "options_q": {"value": {"a": 86, "b": 480, "c": -94, "d": 1094, "e": 94}}}, "text_sha256": "f16933df9b595656c0e57654123de103b2b043af0e852dcc2c413843a9704c37", "state_tokens": 46}}
{"state": "MEMO\nRe: Complaint response deadline\n\nGranite Peak Software must answer every formal complaint within 12 business days of receiving it. Business days are Monday to Friday, excluding the public holidays listed here; the day the complaint is received does not count. Public holidays this year: Founders' Day (Wednesday 26 March 2025); Midsummer Holiday (Tuesday 15 April 2025); Spring Holiday (Wednesday 16 April 2025); Company Day (Thursday 24 April 2025); Harvest Day (Thursday 29 May 2025).\n\nA complaint was received on Sunday 13 April 2025.", "questions": {"due": {"type": "choice", "instructions": "Compute the due date.", "criteria": {"a": "2 May 2025", "b": "5 May 2025", "c": "1 May 2025", "d": "25 April 2025", "e": "29 April 2025"}, "src": "hard_temporal_numeric", "label": "a"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00086", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00086", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "deadline", "facts": {"kind": "deadline", "received": "2025-04-13", "n": 12, "holidays": ["2025-03-26", "2025-04-15", "2025-04-16", "2025-04-24", "2025-05-29"], "options_q": {"due": {"a": "2025-05-02", "b": "2025-05-05", "c": "2025-05-01", "d": "2025-04-25", "e": "2025-04-29"}}}, "text_sha256": "2363b7f3c7eed82e48fb2bf558be6f70bed313794b1e50a8c637f6746abe0bf0", "state_tokens": 147}}
{"state": "REVIEW REQUEST\nItem: After a 10% discount, a jacket costs $493.20. What was the price before the discount, to the nearest cent?\nSubmitted result: Pretty sure it's $548.00", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$503.20", "b": "$548.01", "c": "$443.88", "d": "$548.00", "e": "$542.52"}, "src": "hard_judge", "label": "d"}}, "_meta": {"id": "hard-v1/judge/development/00022", "source": "hard_judge", "group_id": "hard-v1/judge/development/00022", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "reverse_pct", "error": null, "facts": {"kind": "reverse_pct", "args": {"after": "2466/5", "p": "1/10"}, "dp": 2, "proposed": 54800, "error": null, "options_q": {"value": {"a": 50320, "b": 54801, "c": 44388, "d": 54800, "e": 54252}}}, "text_sha256": "c203f72523a354d8d7c1e4bbb7f5c575d5df96356d652e26032b007ab7bb8a98", "state_tokens": 53}}
{"state": "SPEC SHEET: a managed database service for the orders system\nWren Cloud SQL | monthly cost=$2,100 | write latency=14 ms | recovery point objective=41 minutes | point-in-time recovery=no | multi-region replicas=yes\nGranite DB | monthly cost=$3,850 | write latency=23 ms | recovery point objective=6 minutes | point-in-time recovery=no | multi-region replicas=yes\nPolar Store | monthly cost=$1,050 | write latency=33 ms | recovery point objective=10 minutes | point-in-time recovery=yes | multi-region replicas=no\nR1: it must offer point-in-time recovery\nR2: its recovery point objective must be at most 25 minutes\nSelection: Among the options that meet every requirement, choose the one with the lowest write latency; if two or more are tied on write latency, choose the one with the lowest recovery point objective.", "questions": {"choice": {"type": "choice", "instructions": "Which service best satisfies the brief?", "criteria": {"polar_store": null, "wren_cloud_sql": null, "granite_db": null, "none_qualifies": "None of the options meets every requirement"}, "src": "hard_tradeoff", "label": "polar_store"}, "meets": {"type": "noul", "instructions": "Is Wren Cloud SQL compliant with all the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00036", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00036", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "service", "none_case": false, "facts": {"rule": "lex", "options": {"Wren Cloud SQL": {"cost": 2100, "latency": 14, "rpo": 41, "pitr": false, "multiregion": true}, "Granite DB": {"cost": 3850, "latency": 23, "rpo": 6, "pitr": false, "multiregion": true}, "Polar Store": {"cost": 1050, "latency": 33, "rpo": 10, "pitr": true, "multiregion": false}}, "constraints": [{"attr": "pitr", "op": "is", "value": true}, {"attr": "rpo", "op": "<=", "value": 25}], "priority": [["latency", "lower"], ["rpo", "lower"]], "weights": {}, "years": null, "check": "Wren Cloud SQL", "options_q": {"choice": {"polar_store": "polar_store", "wren_cloud_sql": "wren_cloud_sql", "granite_db": "granite_db", "none_qualifies": "none_qualifies"}}}, "text_sha256": "77747150696853a3e469bc04b1f5792c29c2f22f0eb748fa01d43aab538d2aee", "state_tokens": 196}}
{"state": "MEMO\nRe: Alert from event pipeline\n\nPaging rule: an alert pages the owning team's primary on-call; if the primary is on leave that day, it pages the secondary; if the secondary is also on leave, it pages the team's engineering manager. The Data Platform engineering manager is Bram. This week's Data Platform primary on-call is Kofi and the secondary is Farah.\n\nThe Storage engineering manager is Nia. Felix is on leave from December 29, 2026 to January 2, 2027 inclusive. The Messaging engineering manager is Arjun.\n\nAlerts from the push gateway are owned by the Messaging team. Yusuf is on leave from December 24, 2026 to December 25, 2026 inclusive. This week's Messaging primary on-call is Hugo and the secondary is Yusuf.\n\nKofi is on leave from December 23, 2026 to January 1, 2027 inclusive. Alerts from the card tokenizer are owned by the Storage team. This week's Storage primary on-call is Felix and the secondary is Petra.\n\nHugo is on leave from December 20, 2026 to December 23, 2026 inclusive. Alerts from the event pipeline are owned by the Messaging team. Alerts from the blob store are owned by the Data Platform team.\n\nOn December 26, 2026, an alert fired from the event pipeline.", "questions": {"paged": {"type": "choice", "instructions": "Who is the right person to page?", "criteria": {"felix": null, "hugo": null, "yusuf": null, "arjun": null}, "src": "hard_multi_hop", "label": "hugo"}}, "_meta": {"id": "hard-v1/multi_hop/development/00095", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00095", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "oncall", "facts": {"kind": "oncall", "routes": {"event pipeline": "Messaging", "blob store": "Data Platform", "card tokenizer": "Storage", "push gateway": "Messaging"}, "primary": {"Messaging": "Hugo", "Data Platform": "Kofi", "Storage": "Felix"}, "secondary": {"Messaging": "Yusuf", "Data Platform": "Farah", "Storage": "Petra"}, "manager": {"Messaging": "Arjun", "Data Platform": "Bram", "Storage": "Nia"}, "leave": {"Hugo": [["2026-12-20", "2026-12-23"]], "Yusuf": [["2026-12-24", "2026-12-25"]], "Kofi": [["2026-12-23", "2027-01-01"]], "Felix": [["2026-12-29", "2027-01-02"]]}, "component": "event pipeline", "date": "2026-12-26", "options_q": {"paged": {"felix": "felix", "hugo": "hugo", "yusuf": "yusuf", "arjun": "arjun"}}}, "text_sha256": "edaeefbcbd1f640af649d1e0ccecab7ae63c69ca443222edf4c9e8fca492acc6", "state_tokens": 313}}
{"state": "SPEC SHEET: a marketing agency for the spring campaign\nWildfern Agency | fee=$6,000 | lead time=6 weeks | portfolio rating=6/10 | B2B campaign experience=no | in-house video production=yes\nBrightside Creative | fee=$17,000 | lead time=2 weeks | portfolio rating=3/10 | B2B campaign experience=yes | in-house video production=yes\nSignal & Co | fee=$15,000 | lead time=3 weeks | portfolio rating=3/10 | B2B campaign experience=yes | in-house video production=no\nR1: its lead time must be at most 4 weeks\nR2: it must offer B2B campaign experience\nSelection: Among the options that meet every requirement, choose the one with the highest portfolio rating; if two or more are tied on portfolio rating, choose the one with the lowest fee.", "questions": {"choice": {"type": "choice", "instructions": "Which agency best satisfies the brief?", "criteria": {"wildfern_agency": null, "signal_co": null, "brightside_creative": null}, "src": "hard_tradeoff", "label": "signal_co"}, "meets": {"type": "noul", "instructions": "Does Signal & Co pass the hard requirements?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00033", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00033", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "agency", "none_case": false, "facts": {"rule": "lex", "options": {"Wildfern Agency": {"cost": 6000, "lead": 6, "portfolio": 6, "b2b": false, "inhouse": true}, "Brightside Creative": {"cost": 17000, "lead": 2, "portfolio": 3, "b2b": true, "inhouse": true}, "Signal & Co": {"cost": 15000, "lead": 3, "portfolio": 3, "b2b": true, "inhouse": false}}, "constraints": [{"attr": "lead", "op": "<=", "value": 4}, {"attr": "b2b", "op": "is", "value": true}], "priority": [["portfolio", "higher"], ["cost", "lower"]], "weights": {}, "years": null, "check": "Signal & Co", "options_q": {"choice": {"wildfern_agency": "wildfern_agency", "signal_co": "signal_co", "brightside_creative": "brightside_creative"}}}, "text_sha256": "52063d36f0b3049912e7913876810145d5d53e9f5a8120583f1e68f8f185db3a", "state_tokens": 194}}
{"state": "MEMO\nRe: Shift pay check\n\nA warehouse worker clocked in at 06:30 on January 9, 2027 and clocked out at 17:00. They took a 60-minute unpaid break. The hourly rate is $18.00.\n\nPaid time beyond 8 hours in a shift is paid at 1.5 times the hourly rate.", "questions": {"pay": {"type": "choice", "instructions": "Shift pay due:", "criteria": {"a": "$211.50", "b": "$184.50", "c": "$256.50", "d": "$171.00", "e": "$189.00"}, "src": "hard_temporal_numeric", "label": "b"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00043", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00043", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "shift", "overtime": true, "facts": {"kind": "shift", "start": "2027-01-09T06:30", "end": "2027-01-09T17:00", "break_min": 60, "rate_cents": 1800, "ot_after_h": 8, "options_q": {"pay": {"a": 21150, "b": 18450, "c": 25650, "d": 17100, "e": 18900}}}, "text_sha256": "4ec9fd81bf4000c85e91073768c2b3f4e21bc1a27223864692da478dc16367d0", "state_tokens": 87}}
{"state": "MEMO\nRe: Subscription cancellation\n\nA customer paid $3,650.99 for an annual plan running from 13 February 2026 up to (but not including) 13 February 2027. They cancelled on 31 October 2026. Refund rule: refund the annual price multiplied by the number of unused days and divided by the number of days in the plan year; the cancellation day counts as used. Round to the nearest cent.", "questions": {"refund": {"type": "choice", "instructions": "Refund due:", "criteria": {"a": "$1,040.28", "b": "$1,217.00", "c": "$2,610.71", "d": "$1,050.28", "e": "$1,037.44"}, "src": "hard_temporal_numeric", "label": "a"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00013", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00013", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "prorata", "leap": false, "facts": {"kind": "prorata", "start": "2026-02-13", "end": "2027-02-13", "cancel": "2026-10-31", "price_cents": 365099, "options_q": {"refund": {"a": 104028, "b": 121700, "c": 261071, "d": 105028, "e": 103744}}}, "text_sha256": "5da3b02fec0bbcb91a0c15938fe8c43b3cefff17149d49b3feb5eee21c2b2f62", "state_tokens": 105}}
{"state": "SPEC SHEET: an office lease for the new Leeds team\nAlbion Court | monthly rent=$9,600 | average commute=67 minutes | capacity=24 desks | vendor stability score=10/10 | security score=5/10 | documentation score=8/10 | on-site parking=yes | step-free access=yes\nStation House | monthly rent=$8,400 | average commute=31 minutes | capacity=48 desks | vendor stability score=6/10 | security score=8/10 | documentation score=6/10 | on-site parking=yes | step-free access=no\nCanal Wharf | monthly rent=$13,800 | average commute=63 minutes | capacity=21 desks | vendor stability score=6/10 | security score=4/10 | documentation score=5/10 | on-site parking=yes | step-free access=yes\nPark Row | monthly rent=$12,800 | average commute=17 minutes | capacity=23 desks | vendor stability score=7/10 | security score=3/10 | documentation score=4/10 | on-site parking=no | step-free access=no\nMill Yard | monthly rent=$10,000 | average commute=60 minutes | capacity=30 desks | vendor stability score=3/10 | security score=4/10 | documentation score=6/10 | on-site parking=yes | step-free access=yes\nR1: it must offer step-free access\nR2: its monthly rent must be at most $9,000\nSelection: Each option has been scored from 1 to 10 on vendor stability, security and documentation (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 45% vendor stability, 35% security, 20% documentation.", "questions": {"choice": {"type": "choice", "instructions": "Which office best satisfies the brief?", "criteria": {"mill_yard": null, "canal_wharf": null, "none_qualifies": "None of the options meets every requirement", "park_row": null, "albion_court": null, "station_house": null}, "src": "hard_tradeoff", "label": "none_qualifies"}, "meets": {"type": "noul", "instructions": "Does Canal Wharf meet every hard requirement?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00094", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00094", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "office", "none_case": false, "facts": {"rule": "weighted", "options": {"Albion Court": {"cost": 9600, "commute": 67, "desks": 24, "parking": true, "access": true, "vendor stability": 10, "security": 5, "documentation": 8}, "Station House": {"cost": 8400, "commute": 31, "desks": 48, "parking": true, "access": false, "vendor stability": 6, "security": 8, "documentation": 6}, "Canal Wharf": {"cost": 13800, "commute": 63, "desks": 21, "parking": true, "access": true, "vendor stability": 6, "security": 4, "documentation": 5}, "Park Row": {"cost": 12800, "commute": 17, "desks": 23, "parking": false, "access": false, "vendor stability": 7, "security": 3, "documentation": 4}, "Mill Yard": {"cost": 10000, "commute": 60, "desks": 30, "parking": true, "access": true, "vendor stability": 3, "security": 4, "documentation": 6}}, "constraints": [{"attr": "access", "op": "is", "value": true}, {"attr": "cost", "op": "<=", "value": 9000}], "priority": [], "weights": {"vendor stability": 45, "security": 35, "documentation": 20}, "years": null, "check": "Canal Wharf", "options_q": {"choice": {"mill_yard": "mill_yard", "canal_wharf": "canal_wharf", "none_qualifies": "none_qualifies", "park_row": "park_row", "albion_court": "albion_court", "station_house": "station_house"}}}, "text_sha256": "d3b74cdf33963c7009d02cfc9d28473343c691ae0fd16647963390a7741786ce", "state_tokens": 409}}
{"state": "EMPLOYEE HEALTH BENEFITS PLAN: SUMMARY PLAN DESCRIPTION\nIssued by Cedar Benefits Services\nIn this policy, \"the Plan\" means Cedar Benefits Services and \"the Member\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Family means the Member's spouse or partner and any children who live with the Member.\n(2) Frames means spectacle frames bought without new lenses.\n(3) Hearing accessories means batteries, chargers and cleaning kits.\n(4) Hearing aid replacement period means 24 months from the purchase of hearing aids funded by the plan.\n(5) Incident means a single event, or a series of events arising from one cause.\n(6) Major restorative work means crowns, bridges, root canal treatment and implants.\n(7) Orthodontics means braces and clear aligners.\n(8) Policy period means twelve months from the policy start date shown in the Member's schedule.\n(9) Replacement period means 24 months from the date of the Member's last eyewear claim.\n\n§ 2  Limits and deductible\n(1) Dental Care: limit $2,000 per treatment; deductible $100 per claim.\n(2) Vision Care: limit $300 per treatment; deductible $25 per claim.\n(3) Therapy Services: limit $1,000 per treatment; deductible $75 per claim.\n(4) Hearing Care: limit $1,000 per treatment; deductible $150 per claim.\n(5) The deductible is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Payment of claims\n(1) The Plan will pay claims by bank transfer to an account in the Member's name.\n(2) The Plan aims to pay accepted claims within 5 working days of receiving all the documents the Plan needs.\n\n§ 4  Dental Care\n(1) The Plan will reimburse the cost of dental treatment provided by a licensed dentist.\n(2) No cover applies under this section to any treatment that happens within the first 90 days after the policy start date.\n(3) The most the Plan will pay for Major restorative work under this section is $750 per treatment.\n(4) The most the Plan will pay for Orthodontics under this section is $600 per treatment.\n(5) The Plan will not pay for treatment that is mainly cosmetic, such as whitening or veneers. This exclusion does not apply to treatment needed to repair damage caused by an accident.\n(6) The Plan will not pay for treatment by a provider outside the plan's network. This exclusion does not apply to emergency treatment for sudden severe pain.\n\n§ 5  Third-party administrators\n(1) The Plan may appoint another company to handle claims or other services on the Plan's behalf.\n(2) Any company the Plan appoints must follow the terms of this policy and applicable data protection law.\n\n§ 6  Recovery of costs\n(1) If the Plan pays a claim that is later found not to be covered, the Plan may ask the Member to repay the amount.\n\n§ 7  Optional cover: Hearing Care\n(1) The Plan will reimburse hearing tests and hearing aids.\n(2) This section applies only if it is shown as purchased in the Member's schedule.\n(3) The most the Plan will pay for Hearing accessories under this section is $100 per treatment.\n(4) The Plan will not pay for replacement hearing aids bought within the hearing aid replacement period.\n\n§ 8  Premium payment\n(1) The Member must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 21 days of its due date, the Plan may cancel the policy after giving notice.\n\n§ 9  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 10  Leaving the plan\n(1) Cover ends on the day the Member's employment ends or the day the Member stops being eligible, whichever is earlier.\n(2) Claims for treatment received before cover ended may be submitted up to 90 days afterwards.\n\n§ 11  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 12  Arbitration\n(1) If the Plan accepts a claim but disagree with the Member about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Plan.\n\n§ 13  Vision Care\n(1) The Plan will reimburse eye tests and prescription eyewear.\n(2) The most the Plan will pay for Frames under this section is $120 per treatment.\n(3) The Plan will not pay for eyewear without prescription lenses.\n(4) The Plan will not pay for a further eyewear claim within the replacement period.\n\n§ 14  Records and evidence\n(1) The Member should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Plan may base any settlement on the price of a comparable item.\n(3) The Plan may ask for evidence of how and when an item was acquired.\n\n§ 15  Duty of fair presentation\n(1) The Member must answer all questions the Plan asks honestly and to the best of the Member's knowledge.\n(2) If the Member gives incorrect information deliberately or recklessly, the Plan may treat this policy as if it never existed and keep the premium.\n(3) If the Member gives incorrect information carelessly, the Plan may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 16  Inflation\n(1) The Plan may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Member's renewal documents; limits do not change during a policy period.\n\n§ 17  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 18  General exclusions\n(1) The Plan will not pay for loss caused by nuclear radiation or radioactive contamination.\n(2) The Plan will not pay for any deliberate or criminal act by the Member.\n\n§ 19  Making a claim\n(1) The Member must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Member must notify the Plan of a claim within 30 days of the treatment. The Plan will not pay any claim notified after that time.\n(3) The Plan may appoint a loss adjuster to investigate any claim.\n\n§ 20  Cancellation\n(1) The Member can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Member can cancel at any time; the Plan will refund the premium for the unexpired period less an administration charge of $25.\n(3) The Plan can cancel this policy by giving the Member 30 days' written notice to the last address the Plan holds.\n\n§ 21  Customer support\n(1) The Plan's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Member can leave a message and the Plan will call back on the next working day.\n\n§ 22  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Plan may charge the premium without the discount from that date.\n\n§ 23  Exchange of information\n(1) To prevent fraud, the Plan may check the details the Member gives against public records and industry databases.\n(2) The Plan may contact previous insurers to confirm the Member's claims history.\n\n=== CLAIM ===\nClaim summary: Farah Nakamura; policy P924702; policy start 4 September 2025; schedule covers Dental Care, Vision Care, Therapy Services; extensions none. Section claimed: Dental Care, for a crown. Treatment date 16 September 2025; notified 18 September 2025; assessed loss $339. Facts: The dentist recommended the treatment after a routine check-up. Farah submitted receipts through the benefits portal. Farah's spouse is also enrolled in the plan.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_less_fee": "Pay the assessed loss less the deductible", "deny_cosmetic": "Decline under the cosmetic treatment exclusion (§ 4(5))", "deny_waiting": "Decline: the treatment happened during the waiting period (§ 4(2))", "deny_out_of_network": "Decline under the out-of-network providers exclusion (§ 4(6))", "pay_limit": "Pay up to the Dental Care limit"}, "src": "hard_long_policy", "label": "deny_waiting"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$0", "b": "$1,900", "c": "$650", "d": "$239", "e": "$339"}, "src": "hard_long_policy", "label": "a"}}, "_meta": {"id": "hard-v1/long_policy/development/00091", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00091", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "benefits", "target": "deny_waiting", "category": "dental", "tempting": null, "facts": {"domain": "benefits", "fee_order": "before", "notice_days": 30, "categories": {"dental": {"limit": 2000, "fee": 100, "waiting": 90, "purchased": true}, "vision": {"limit": 300, "fee": 25, "waiting": 0, "purchased": true}, "therapy": {"limit": 1000, "fee": 75, "waiting": 0, "purchased": true}, "hearing": {"limit": 1000, "fee": 150, "waiting": 0, "purchased": false}}, "classes": {"major": {"category": "dental", "cap": 750}, "ortho": {"category": "dental", "cap": 600}, "frames": {"category": "vision", "cap": 120}, "massage": {"category": "therapy", "cap": 300}, "accessories": {"category": "hearing", "cap": 100}}, "exclusions": [{"key": "cosmetic", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "out_of_network", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "non_prescription", "categories": ["vision"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "frequency", "categories": ["vision"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}, {"key": "work_injury", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unregistered", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "replacement", "categories": ["hearing"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}], "case": {"category": "dental", "item": "the crown", "item_class": "major", "loss_cents": 33900, "start": "2025-09-04", "incident": "2025-09-16", "reported": "2025-09-18", "conditions": {}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"pay_less_fee": "pay_less_fee", "deny_cosmetic": "deny_cosmetic", "deny_waiting": "deny_waiting", "deny_out_of_network": "deny_out_of_network", "pay_limit": "pay_limit"}, "amount": {"a": 0, "b": 190000, "c": 65000, "d": 23900, "e": 33900}}}, "text_sha256": "c90fd51bb1f825e3d36295dbc9298e9c65fef5d621dd1b573d6938a728efeeab", "state_tokens": 1895}}
{"state": "MEMO\nRe: Alert precision\n\nAn inspection camera flags units on the production line. Historically, two percent of units are defective. When one of the units is defective, the system flags it seventy percent of the time.\n\nWhen one of the units is not defective, the system still flags it twenty percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that one of the units that the system has flagged is actually defective?", "criteria": {"a": "6.7%", "b": "80.0%", "c": "1.4%", "d": "70.0%", "e": "2.0%"}, "src": "hard_probability", "label": "a"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that one of the units that the system has flagged is defective?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 0}}, "_meta": {"id": "hard-v1/probability/development/00053", "source": "hard_probability", "group_id": "hard-v1/probability/development/00053", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "bayes", "facts": {"kind": "bayes", "p": {"base": "2/100", "sens": "70/100", "fpr": "20/100"}, "options_q": {"value": {"a": 67, "b": 800, "c": 14, "d": 700, "e": 20}}, "qid2": "bucket"}, "text_sha256": "0691158f37f30f546922607d592e9af703310660426d519f68d8238685251e2e", "state_tokens": 67}}
{"state": "MEMO\nRe: Shipping\n\nOrders ship free when the order total after all discounts is at least $150.00; otherwise the standard shipping fee applies. Bram Brennan's basket totals $168.95 before discounts. The coupon Bram applied took $15.00 off.\n\nThe basket contains three items from the same warehouse. Bram chose standard delivery.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"free_shipping": "Ship the order free", "standard_shipping": "Charge the standard shipping fee", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "free_shipping"}}, "_meta": {"id": "hard-v1/ambiguous/development/00022", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00022", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "shipping", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "shipping", "insufficient_key": "not_enough_information", "params": {"threshold_cents": 15000, "subtotal_cents": 16895, "discount_cents": 1500}, "deciding_present": true, "options_q": {"decision": {"free_shipping": "free_shipping", "standard_shipping": "standard_shipping", "not_enough_information": "not_enough_information"}}}, "text_sha256": "5f9a1f21495f7c92a822c3656f02cb9f578cd35fee326f6b27969c3fcb697f69", "state_tokens": 79}}
{"state": "MEMO\nRe: Outage: inventory-db\n\nOutages propagate along hard dependencies: if a service goes down, every service that depends on it, directly or through other hard dependencies, is affected. Soft dependencies do not propagate outages. user-profile depends on notification-hub. catalog-api depends on pricing-engine.\n\ncdn-edge depends on user-profile. notification-hub depends on inventory-db. email-relay depends on notification-hub (soft dependency: it degrades gracefully and keeps working if notification-hub is down).\n\npayments-gateway depends on auth-service. inventory-db depends on auth-service. geo-lookup depends on catalog-api.\n\ninventory-db is currently down.", "questions": {"affected": {"type": "choice", "instructions": "Which of these will the outage reach?", "criteria": {"email_relay": null, "auth_service": null, "none_affected": "None of these services is affected", "payments_gateway": null}, "src": "hard_multi_hop", "label": "none_affected"}}, "_meta": {"id": "hard-v1/multi_hop/development/00068", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00068", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "deps", "hops": 3, "soft": true, "facts": {"kind": "deps", "edges": [["notification-hub", "inventory-db", false], ["user-profile", "notification-hub", false], ["cdn-edge", "user-profile", false], ["inventory-db", "auth-service", false], ["catalog-api", "pricing-engine", false], ["payments-gateway", "auth-service", false], ["email-relay", "notification-hub", true], ["geo-lookup", "catalog-api", false]], "down": "inventory-db", "candidates": ["auth-service", "payments-gateway", "email-relay"], "options_q": {"affected": {"email_relay": "email_relay", "auth_service": "auth_service", "none_affected": "none_affected", "payments_gateway": "payments_gateway"}}}, "text_sha256": "d1564ed7540396e813a0eb56363a70606ede8e6ad923b9a1ac4b514fab722608", "state_tokens": 137}}
{"state": "MEMO\nRe: Comparing odds\n\nThere is a forty percent chance that the server patch installs without errors. There is a sixty-five percent chance that the supplier delivers on time; these two are independent. There is a seventy-four percent chance that the ad campaign beats its target.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which is more likely?", "criteria": {"second_event": "That the ad campaign beats its target", "first_event": "At least one of these happens: the server patch installs without errors, or the supplier delivers on time", "equally_likely": "They are equally likely"}, "src": "hard_probability", "label": "first_event"}}, "_meta": {"id": "hard-v1/probability/development/00030", "source": "hard_probability", "group_id": "hard-v1/probability/development/00030", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "compare", "facts": {"kind": "compare", "p": {}, "a": {"op": "or", "p1": "40/100", "p2": "65/100"}, "b": "37/50", "options_q": {"choice": {"second_event": "second_event", "first_event": "first_event", "equally_likely": "equally_likely"}}}, "text_sha256": "79d9a3617dff6ea60c04bd1a2b7fc35ec859f3132b8724fb328c82219984c244", "state_tokens": 57}}
{"state": "MEMO\nRe: Comparing odds\n\nThere is a thirty percent chance that the ad campaign beats its target. There is a eighty percent chance that the supplier delivers on time; these two are independent. There is a twenty-one percent chance that the audit finds no issues.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which is more likely?", "criteria": {"first_event": "Both of these happen: the ad campaign beats its target, and the supplier delivers on time", "second_event": "That the audit finds no issues", "equally_likely": "They are equally likely"}, "src": "hard_probability", "label": "first_event"}}, "_meta": {"id": "hard-v1/probability/development/00067", "source": "hard_probability", "group_id": "hard-v1/probability/development/00067", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "compare", "facts": {"kind": "compare", "p": {}, "a": {"op": "and", "p1": "30/100", "p2": "80/100"}, "b": "21/100", "options_q": {"choice": {"first_event": "first_event", "second_event": "second_event", "equally_likely": "equally_likely"}}}, "text_sha256": "873d38b99b7b40e2c9523ec6da9921dce3a60963fbcee2b78b40ea5b5cad45f9", "state_tokens": 55}}
{"state": "MEMO\nRe: Reliability estimate\n\nA checkout succeeds only if all 4 independent steps succeed: the fraud check, the address validator, the warehouse API, the payment gateway. The fraud check succeeds ninety-nine percent of the time. The address validator succeeds seventy-five percent of the time.\n\nThe warehouse API succeeds ninety-two percent of the time. The payment gateway succeeds ninety-seven percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that a checkout fails?", "criteria": {"a": "75.0%", "b": "66.3%", "c": "33.7%", "d": "100.0%", "e": "0.0%"}, "src": "hard_probability", "label": "c"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that a checkout fails?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 2}}, "_meta": {"id": "hard-v1/probability/development/00033", "source": "hard_probability", "group_id": "hard-v1/probability/development/00033", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "independent", "facts": {"kind": "independent", "p": {}, "ps": ["99/100", "75/100", "92/100", "97/100"], "ask": "any_fail", "options_q": {"value": {"a": 750, "b": 663, "c": 337, "d": 1000, "e": 0}}, "qid2": "bucket"}, "text_sha256": "3ed968ae2b243a5504c447a3a4165b186a38466a210f92cc573aa1afac865608", "state_tokens": 82}}
{"state": "MEMO\nRe: Alert from cart service\n\nPaging rule: an alert pages the owning team's primary on-call; if the primary is on leave that day, it pages the secondary; if the secondary is also on leave, it pages the team's engineering manager. Alerts from the cart service are owned by the Mobile team. The Checkout engineering manager is Nia.\n\nAlerts from the push gateway are owned by the Checkout team. Alerts from the event pipeline are owned by the Storage team. This week's Checkout primary on-call is Ravi and the secondary is Maya.\n\nThis week's Mobile primary on-call is Ayla and the secondary is Wen. The Storage engineering manager is Elin. This week's Storage primary on-call is Farah and the secondary is Colm.\n\nFarah is on leave from July 27, 2027 to July 30, 2027 inclusive. The Mobile engineering manager is Bram. Alerts from the iOS release train are owned by the Checkout team.\n\nAyla is on leave from August 1, 2027 to August 3, 2027 inclusive. On August 2, 2027, an alert fired from the cart service.", "questions": {"paged": {"type": "choice", "instructions": "Who is the right person to page?", "criteria": {"wen": null, "bram": null, "farah": null, "ayla": null}, "src": "hard_multi_hop", "label": "wen"}}, "_meta": {"id": "hard-v1/multi_hop/development/00035", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00035", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "oncall", "facts": {"kind": "oncall", "routes": {"push gateway": "Checkout", "event pipeline": "Storage", "cart service": "Mobile", "iOS release train": "Checkout"}, "primary": {"Checkout": "Ravi", "Storage": "Farah", "Mobile": "Ayla"}, "secondary": {"Checkout": "Maya", "Storage": "Colm", "Mobile": "Wen"}, "manager": {"Checkout": "Nia", "Storage": "Elin", "Mobile": "Bram"}, "leave": {"Ayla": [["2027-08-01", "2027-08-03"]], "Farah": [["2027-07-27", "2027-07-30"]]}, "component": "cart service", "date": "2027-08-02", "options_q": {"paged": {"wen": "wen", "bram": "bram", "farah": "farah", "ayla": "ayla"}}}, "text_sha256": "0d5a6d7479d53128bf249351f86fdb37abf3f3421380517742fe9a1b7aa603c8", "state_tokens": 255}}
{"state": "MEMO\nRe: Group structure\n\nAn entity controls a company if it holds more than 50% of that company's shares, counting shares it holds directly and shares held by companies it controls. Fenwick Industries owns 47% of Kilnworth plc. Lysander Group owns 27% of Aldermoor Holdings.\n\nEastgate Partners owns 73% of Aldermoor Holdings. Aldermoor Holdings owns 53% of Kilnworth plc.", "questions": {"controller": {"type": "choice", "instructions": "Name the ultimate controller of Kilnworth plc.", "criteria": {"lysander_group": null, "eastgate_partners": null, "no_controller": "No entity controls it", "aldermoor_holdings": null, "fenwick_industries": null}, "src": "hard_multi_hop", "label": "eastgate_partners"}, "interest": {"type": "choice", "instructions": "What is Eastgate Partners's effective economic interest in Kilnworth plc (its share of Kilnworth plc's profits through all holdings)?", "criteria": {"a": "73.0%", "b": "77.4%", "c": "53.0%", "d": "38.7%"}, "src": "hard_multi_hop", "label": "d"}}, "_meta": {"id": "hard-v1/multi_hop/development/00064", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00064", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "ownership", "shape": "chain", "facts": {"kind": "ownership", "stakes": {"Aldermoor Holdings": {"Eastgate Partners": "73/100", "Lysander Group": "27/100"}, "Kilnworth plc": {"Aldermoor Holdings": "53/100", "Fenwick Industries": "47/100"}}, "candidates": ["Eastgate Partners", "Aldermoor Holdings", "Fenwick Industries", "Lysander Group"], "target": "Kilnworth plc", "top": "Eastgate Partners", "options_q": {"controller": {"lysander_group": "lysander_group", "eastgate_partners": "eastgate_partners", "no_controller": "no_controller", "aldermoor_holdings": "aldermoor_holdings", "fenwick_industries": "fenwick_industries"}, "interest": {"a": 730, "b": 774, "c": 530, "d": 387}}}, "text_sha256": "2a12fc63549c848a32b467ecd601181d5acc7758f74a0c901f7eb121dc16a7fc", "state_tokens": 100}}
{"state": "REVIEW REQUEST\nItem: After a 20% discount, a jacket costs $616.80. What was the price before the discount, to the nearest cent?\nSubmitted result: Answer: $636.80", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$740.16", "b": "$771.00", "c": "$636.80", "d": "$636.81", "e": "$493.44"}, "src": "hard_judge", "label": "b"}}, "_meta": {"id": "hard-v1/judge/development/00043", "source": "hard_judge", "group_id": "hard-v1/judge/development/00043", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "reverse_pct", "error": "added_points", "facts": {"kind": "reverse_pct", "args": {"after": "3084/5", "p": "1/5"}, "dp": 2, "proposed": 63680, "error": "added_points", "options_q": {"value": {"a": 74016, "b": 77100, "c": 63680, "d": 63681, "e": 49344}}}, "text_sha256": "460cb350ef0aa22d7884cc5ddb696da0fd6ec1c98741698fe4d0a4419192671f", "state_tokens": 51}}
{"state": "SPEC SHEET: a payment processor for the online store\nLedgerly | fee per transaction=2.50% | payout delay=1 days | uptime commitment=99.75% | documentation score=8/10 | support quality score=4/10 | ease of use score=7/10 | multi-currency settlement=yes | a chargeback protection service=yes\nPaylane | fee per transaction=2.75% | payout delay=7 days | uptime commitment=99.73% | documentation score=6/10 | support quality score=5/10 | ease of use score=5/10 | multi-currency settlement=yes | a chargeback protection service=no\nCoinbridge | fee per transaction=2.65% | payout delay=6 days | uptime commitment=99.68% | documentation score=9/10 | support quality score=6/10 | ease of use score=6/10 | multi-currency settlement=no | a chargeback protection service=yes\nQuickcheck | fee per transaction=3.45% | payout delay=5 days | uptime commitment=99.89% | documentation score=5/10 | support quality score=3/10 | ease of use score=8/10 | multi-currency settlement=yes | a chargeback protection service=yes\nR1: it must offer a chargeback protection service\nR2: its uptime commitment must be at least 99.75%\nSelection: Each option has been scored from 1 to 10 on documentation, support quality and ease of use (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 60% documentation, 25% support quality, 15% ease of use.", "questions": {"choice": {"type": "choice", "instructions": "Which processor best satisfies the brief?", "criteria": {"quickcheck": null, "coinbridge": null, "ledgerly": null, "paylane": null, "none_qualifies": "No option qualifies"}, "src": "hard_tradeoff", "label": "ledgerly"}, "meets": {"type": "noul", "instructions": "Does Paylane meet every hard requirement?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00007", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00007", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "processor", "none_case": false, "facts": {"rule": "weighted", "options": {"Ledgerly": {"cost": 250, "payout": 1, "uptime": 9975, "multicurrency": true, "disputes": true, "documentation": 8, "support quality": 4, "ease of use": 7}, "Paylane": {"cost": 275, "payout": 7, "uptime": 9973, "multicurrency": true, "disputes": false, "documentation": 6, "support quality": 5, "ease of use": 5}, "Coinbridge": {"cost": 265, "payout": 6, "uptime": 9968, "multicurrency": false, "disputes": true, "documentation": 9, "support quality": 6, "ease of use": 6}, "Quickcheck": {"cost": 345, "payout": 5, "uptime": 9989, "multicurrency": true, "disputes": true, "documentation": 5, "support quality": 3, "ease of use": 8}}, "constraints": [{"attr": "disputes", "op": "is", "value": true}, {"attr": "uptime", "op": ">=", "value": 9975}], "priority": [], "weights": {"documentation": 60, "support quality": 25, "ease of use": 15}, "years": null, "check": "Paylane", "options_q": {"choice": {"quickcheck": "quickcheck", "coinbridge": "coinbridge", "ledgerly": "ledgerly", "paylane": "paylane", "none_qualifies": "none_qualifies"}}}, "text_sha256": "5122c674b47d1e19b1247c678753b1c5a0fe177e7267ffbd13e735fa7eb5e343", "state_tokens": 384}}
{"state": "RENTERS CONTENTS PROTECTION\nIssued by Hearthstone Insurance plc\nIn this policy, \"the Insurer\" means Hearthstone Insurance plc and \"the Policyholder\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Garden items means garden furniture, plants and outdoor tools.\n(2) Portable electronics means laptops, tablets and mobile phones.\n(3) Premium means the amount the Policyholder must pay for this policy, including any taxes.\n\n§ 2  Limits and excess\n(1) Theft: limit $20,000 per incident; excess $250 per claim.\n(2) Escape of Water: limit $30,000 per incident; excess $250 per claim.\n(3) Accidental Damage: limit $3,000 per incident; excess $50 per claim.\n(4) Flood: limit $20,000 per incident; excess $1,000 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the excess is then deducted from the result.\n\n§ 3  Optional cover: Accidental Damage\n(1) The Insurer will pay for sudden and unexpected accidental damage to the Policyholder's contents inside the home.\n(2) This section applies only if it is shown as purchased in the Policyholder's schedule.\n(3) The most the Insurer will pay for Portable electronics under this section is $750 per incident.\n(4) The Insurer will not pay for damage caused by pets.\n(5) The Insurer will not pay for wear and tear, or damage that happens gradually.\n\n§ 4  Flood\n(1) The Insurer will pay for contents damaged by flood water entering the Policyholder's home.\n(2) No cover applies under this section to any incident that happens within the first 60 days after the policy start date.\n(3) The most the Insurer will pay for Garden items under this section is $500 per incident.\n(4) The Insurer will not pay for flood damage where a flood warning for the Policyholder's area had been issued before the policy started.\n\n§ 5  General exclusions\n(1) The Insurer will not pay for any deliberate or criminal act by the Policyholder.\n(2) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n(3) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n\n§ 6  Making a claim\n(1) The Insurer may appoint a loss adjuster to investigate any claim.\n(2) The Policyholder must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Policyholder must notify the Insurer of a claim within 60 days of the incident. The Insurer will not pay any claim notified after that time.\n\n§ 7  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Policyholder should be sent to the address shown in the schedule.\n\n§ 8  Communication\n(1) The Insurer will communicate with the Policyholder in English.\n(2) The Insurer may record telephone calls for training and quality purposes.\n\n§ 9  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Policyholder to repay the amount.\n\n§ 10  Alternative accommodation\n(1) If the Policyholder's home cannot be lived in after damage covered by this policy, the Insurer will pay the reasonable cost of comparable temporary accommodation.\n(2) The Insurer will also pay for the temporary housing of pets that live with the Policyholder.\n(3) Cover ends when the home is fit to live in again or after twelve months, whichever is sooner.\n\n§ 11  Claims documents\n(1) The Policyholder must provide, at the Policyholder's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 12  Assignment\n(1) The Policyholder cannot transfer the Policyholder's interest in this policy to anyone else without the Insurer's written consent.\n\n§ 13  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 14  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Policyholder gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Policyholder's claims history.\n\n=== CLAIM ===\nClaim summary: Kofi Whitfield; policy K158786; policy start 21 April 2026; schedule covers Theft, Escape of Water, Flood; extensions none. Section claimed: Flood, for garden furniture and tools. Incident date 23 June 2026; notified 6 August 2026; assessed loss $1,518. Facts: A flood warning for the area had been issued three days before the policy start date. The building is a converted warehouse with six flats. A neighbour reported the incident to the building manager. Kofi works from home three days a week.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_limit": "Pay up to the Flood limit", "not_covered": "Decline: Flood is not a cover shown in the schedule", "deny_late": "Decline: the claim was notified too late (§ 6(3))", "pay_sublimit": "Pay up to the Garden items sublimit (§ 4(3))", "deny_flood_warning": "Decline under the flood warnings exclusion (§ 4(4))"}, "src": "hard_long_policy", "label": "deny_flood_warning"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$518", "b": "$500", "c": "$0", "d": "$19,000", "e": "$1,518"}, "src": "hard_long_policy", "label": "c"}}, "_meta": {"id": "hard-v1/long_policy/development/00034", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00034", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "home", "target": "deny_exclusion", "category": "flood", "tempting": null, "facts": {"domain": "home", "fee_order": "after", "notice_days": 60, "categories": {"theft": {"limit": 20000, "fee": 250, "waiting": 0, "purchased": true}, "water": {"limit": 30000, "fee": 250, "waiting": 0, "purchased": true}, "accidental": {"limit": 3000, "fee": 50, "waiting": 0, "purchased": false}, "flood": {"limit": 20000, "fee": 1000, "waiting": 60, "purchased": true}}, "classes": {"high_risk": {"category": "theft", "cap": 1000}, "bicycles": {"category": "theft", "cap": 800}, "art": {"category": "water", "cap": 1000}, "portable": {"category": "accidental", "cap": 750}, "garden": {"category": "flood", "cap": 500}}, "exclusions": [{"key": "unoccupied", "categories": ["theft"], "kind": "threshold", "thr": 45, "cmp": "gt", "has_exception": false}, {"key": "no_forced_entry", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "outbuilding", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "gradual", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "sealant", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pets", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear_home", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "flood_warning", "categories": ["flood"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "flood", "item": "the garden furniture and tools", "item_class": "garden", "loss_cents": 151800, "start": "2026-04-21", "incident": "2026-06-23", "reported": "2026-08-06", "conditions": {"flood_warning": true}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"pay_limit": "pay_limit", "not_covered": "not_covered", "deny_late": "deny_late", "pay_sublimit": "pay_sublimit", "deny_flood_warning": "deny_flood_warning"}, "amount": {"a": 51800, "b": 50000, "c": 0, "d": 1900000, "e": 151800}}}, "text_sha256": "d6e1ea612fa6a140e5c97f38954e1225a0c31aab03b0f0e11c967a93e7df7864", "state_tokens": 1211}}
{"state": "MEMO\nRe: Subscription cancellation\n\nA customer paid $899.00 for an annual plan running from 13 August 2025 up to (but not including) 13 August 2026. They cancelled on 26 September 2025. Refund rule: refund the annual price multiplied by the number of unused days and divided by the number of days in the plan year; the cancellation day counts as used. Round to the nearest cent.", "questions": {"refund": {"type": "choice", "instructions": "Refund due:", "criteria": {"a": "$110.84", "b": "$790.63", "c": "$788.16", "d": "$786.01", "e": "$824.08"}, "src": "hard_temporal_numeric", "label": "c"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00024", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00024", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "prorata", "leap": false, "facts": {"kind": "prorata", "start": "2025-08-13", "end": "2026-08-13", "cancel": "2025-09-26", "price_cents": 89900, "options_q": {"refund": {"a": 11084, "b": 79063, "c": 78816, "d": 78601, "e": 82408}}}, "text_sha256": "6ca8ac546bd791a7287d4acf147d16d35822d43240a6174caf366cec82d467c2", "state_tokens": 103}}
{"state": "MEMO\nRe: Alert from push gateway\n\nPaging rule: an alert pages the owning team's primary on-call; if the primary is on leave that day, it pages the secondary; if the secondary is also on leave, it pages the team's engineering manager. Alerts from the push gateway are owned by the Messaging team. This week's Storage primary on-call is Emeka and the secondary is Omar.\n\nThis week's Identity primary on-call is Petra and the secondary is Jae. The Storage engineering manager is Zainab. Arjun is on leave from October 19, 2026 to October 20, 2026 inclusive.\n\nAlerts from the blob store are owned by the Storage team. The Messaging engineering manager is Bram. Alerts from the ranking model are owned by the Identity team.\n\nThis week's Messaging primary on-call is Mira and the secondary is Arjun. The Identity engineering manager is Viktor. Mira is on leave from October 13, 2026 to October 20, 2026 inclusive.\n\nAlerts from the iOS release train are owned by the Messaging team. On October 18, 2026, an alert fired from the push gateway.", "questions": {"paged": {"type": "choice", "instructions": "Who is the right person to page?", "criteria": {"bram": null, "mira": null, "arjun": null, "petra": null}, "src": "hard_multi_hop", "label": "arjun"}}, "_meta": {"id": "hard-v1/multi_hop/development/00094", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00094", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "oncall", "facts": {"kind": "oncall", "routes": {"iOS release train": "Messaging", "ranking model": "Identity", "blob store": "Storage", "push gateway": "Messaging"}, "primary": {"Messaging": "Mira", "Identity": "Petra", "Storage": "Emeka"}, "secondary": {"Messaging": "Arjun", "Identity": "Jae", "Storage": "Omar"}, "manager": {"Messaging": "Bram", "Identity": "Viktor", "Storage": "Zainab"}, "leave": {"Mira": [["2026-10-13", "2026-10-20"]], "Arjun": [["2026-10-19", "2026-10-20"]]}, "component": "push gateway", "date": "2026-10-18", "options_q": {"paged": {"bram": "bram", "mira": "mira", "arjun": "arjun", "petra": "petra"}}}, "text_sha256": "6a80f9df535f7dae2ef3d3bd4ab5141a904b5fa38043befe9107568188c644d0", "state_tokens": 257}}
{"state": "MEMO\nRe: Alert from login service\n\nPaging rule: an alert pages the owning team's primary on-call; if the primary is on leave that day, it pages the secondary; if the secondary is also on leave, it pages the team's engineering manager. The Search engineering manager is Arjun. Samir is on leave from August 15, 2027 to August 18, 2027 inclusive.\n\nDiego is on leave from August 10, 2027 to August 10, 2027 inclusive. The Checkout engineering manager is Yusuf. Noah is on leave from August 14, 2027 to August 14, 2027 inclusive.\n\nTomas is on leave from August 14, 2027 to August 14, 2027 inclusive. Alerts from the iOS release train are owned by the Checkout team. Alerts from the event pipeline are owned by the Search team.\n\nAlerts from the login service are owned by the Identity team. This week's Identity primary on-call is Samir and the secondary is Diego. Alerts from the cart service are owned by the Identity team.\n\nThis week's Checkout primary on-call is Noah and the secondary is Idris. The Identity engineering manager is Lotte. This week's Search primary on-call is Tomas and the secondary is Ines.\n\nOn August 12, 2027, an alert fired from the login service.", "questions": {"paged": {"type": "choice", "instructions": "Who is the right person to page?", "criteria": {"diego": null, "lotte": null, "samir": null, "noah": null}, "src": "hard_multi_hop", "label": "samir"}}, "_meta": {"id": "hard-v1/multi_hop/development/00058", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00058", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "oncall", "facts": {"kind": "oncall", "routes": {"cart service": "Identity", "iOS release train": "Checkout", "event pipeline": "Search", "login service": "Identity"}, "primary": {"Identity": "Samir", "Checkout": "Noah", "Search": "Tomas"}, "secondary": {"Identity": "Diego", "Checkout": "Idris", "Search": "Ines"}, "manager": {"Identity": "Lotte", "Checkout": "Yusuf", "Search": "Arjun"}, "leave": {"Samir": [["2027-08-15", "2027-08-18"]], "Diego": [["2027-08-10", "2027-08-10"]], "Noah": [["2027-08-14", "2027-08-14"]], "Tomas": [["2027-08-14", "2027-08-14"]]}, "component": "login service", "date": "2027-08-12", "options_q": {"paged": {"diego": "diego", "lotte": "lotte", "samir": "samir", "noah": "noah"}}}, "text_sha256": "5209b163c3eaa93fa37d46a255de749e12303793cb95bd8218db1291172802e0", "state_tokens": 317}}
{"state": "REVIEW REQUEST\nItem: Convert 167 kilometres to miles (1 mile = 1.609344 km). Give the answer to one decimal place.\nSubmitted result: Answer: 103.8 miles", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "104.8 miles", "b": "103.9 miles", "c": "103.8 miles", "d": "268.8 miles", "e": "1,037.7 miles"}, "src": "hard_judge", "label": "c"}}, "_meta": {"id": "hard-v1/judge/development/00021", "source": "hard_judge", "group_id": "hard-v1/judge/development/00021", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "convert", "error": null, "facts": {"kind": "convert", "args": {"x": "167", "factor": "15625/25146", "offset": 0}, "dp": 1, "proposed": 1038, "error": null, "options_q": {"value": {"a": 1048, "b": 1039, "c": 1038, "d": 2688, "e": 10377}}}, "text_sha256": "b2feace7db4be2ba432eef453a64e522702d06037c06508f4d6fdb61617cf252", "state_tokens": 50}}
{"state": "MEMO\nRe: Alert from cart service\n\nPaging rule: an alert pages the owning team's primary on-call; if the primary is on leave that day, it pages the secondary; if the secondary is also on leave, it pages the team's engineering manager. Nia is on leave from August 26, 2026 to August 30, 2026 inclusive. Alerts from the card tokenizer are owned by the Checkout team.\n\nThis week's Payments primary on-call is Nia and the secondary is Noah. Leila is on leave from August 25, 2026 to August 31, 2026 inclusive. This week's Storage primary on-call is Ashok and the secondary is Leila.\n\nAshok is on leave from August 25, 2026 to September 2, 2026 inclusive. Alerts from the cart service are owned by the Storage team. The Checkout engineering manager is Tariq.\n\nThis week's Checkout primary on-call is Diego and the secondary is Jonas. The Storage engineering manager is Emeka. The Payments engineering manager is Yusuf.\n\nAlerts from the ranking model are owned by the Payments team. Alerts from the event pipeline are owned by the Storage team. On August 27, 2026, an alert fired from the cart service.", "questions": {"paged": {"type": "choice", "instructions": "Who is the right person to page?", "criteria": {"leila": null, "ashok": null, "nia": null, "emeka": null}, "src": "hard_multi_hop", "label": "emeka"}}, "_meta": {"id": "hard-v1/multi_hop/development/00099", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00099", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "oncall", "facts": {"kind": "oncall", "routes": {"event pipeline": "Storage", "card tokenizer": "Checkout", "ranking model": "Payments", "cart service": "Storage"}, "primary": {"Storage": "Ashok", "Checkout": "Diego", "Payments": "Nia"}, "secondary": {"Storage": "Leila", "Checkout": "Jonas", "Payments": "Noah"}, "manager": {"Storage": "Emeka", "Checkout": "Tariq", "Payments": "Yusuf"}, "leave": {"Ashok": [["2026-08-25", "2026-09-02"]], "Leila": [["2026-08-25", "2026-08-31"]], "Nia": [["2026-08-26", "2026-08-30"]]}, "component": "cart service", "date": "2026-08-27", "options_q": {"paged": {"leila": "leila", "ashok": "ashok", "nia": "nia", "emeka": "emeka"}}}, "text_sha256": "b2d80d4ed2502d22d32b85517713f76f0b6d8d47707c4e42991604f28d8a3049", "state_tokens": 283}}
{"state": "MEMO\nRe: Warranty\n\nThe warranty covers manufacturing defects for 12 months from the purchase date. Accidental damage is never covered. Omar Mbeki bought a coffee machine on 2027-02-24. Omar made a warranty claim on 2027-08-06.\n\nThe technician found a faulty heating element from the factory. Omar registered the machine online.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_covered": "Not covered by the warranty", "not_enough_information": "The information given is not enough to decide", "repair_under_warranty": "Repair under warranty"}, "src": "hard_ambiguous", "label": "repair_under_warranty"}}, "_meta": {"id": "hard-v1/ambiguous/development/00062", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00062", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "warranty", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "warranty", "insufficient_key": "not_enough_information", "params": {"months": 12, "purchase": "2027-02-24", "claim": "2027-08-06", "cause": "defect"}, "deciding_present": true, "options_q": {"decision": {"not_covered": "not_covered", "not_enough_information": "not_enough_information", "repair_under_warranty": "repair_under_warranty"}}}, "text_sha256": "8e81a30d77997cae3b85b7bfec8804ebb413266ca0b7ca4749e41c08e71ce15e", "state_tokens": 85}}
{"state": "MEMO\nRe: Quarterly breakdown\n\nCounts of store visitors last month by type and outcome: new: 63 converted, 196 did not convert. returning: 191 converted, 201 did not convert.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, Among records that were converted, what share came from returning?", "criteria": {"a": "39.0%", "b": "75.2%", "c": "29.3%", "d": "48.7%", "e": "60.2%"}, "src": "hard_probability", "label": "b"}}, "_meta": {"id": "hard-v1/probability/development/00016", "source": "hard_probability", "group_id": "hard-v1/probability/development/00016", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "table", "facts": {"kind": "table", "p": {}, "counts": {"new": {"converted": 63, "did not convert": 196}, "returning": {"converted": 191, "did not convert": 201}}, "row": "returning", "col": "converted", "ask": "row_given_col", "options_q": {"value": {"a": 390, "b": 752, "c": 293, "d": 487, "e": 602}}}, "text_sha256": "a95f8455021541af7a445c3de9c196970c6b4727e792d51b75ae0784cc3c163b", "state_tokens": 50}}
{"state": "MEMO\nRe: Complaint response deadline\n\nThistle Apparel must answer every formal complaint within 8 business days of receiving it. Business days are Monday to Friday, excluding the public holidays listed here; the day the complaint is received does not count. Public holidays this year: Heritage Day (Sunday 24 January 2027); Midsummer Holiday (Tuesday 9 February 2027); Founders' Day (Tuesday 16 February 2027); Remembrance Day (Wednesday 24 March 2027).\n\nA complaint was received on Monday 8 February 2027.", "questions": {"due": {"type": "choice", "instructions": "Compute the due date.", "criteria": {"a": "19 February 2027", "b": "22 February 2027", "c": "16 February 2027", "d": "18 February 2027", "e": "23 February 2027"}, "src": "hard_temporal_numeric", "label": "b"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00017", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00017", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "deadline", "facts": {"kind": "deadline", "received": "2027-02-08", "n": 8, "holidays": ["2027-01-24", "2027-02-09", "2027-02-16", "2027-03-24"], "options_q": {"due": {"a": "2027-02-19", "b": "2027-02-22", "c": "2027-02-16", "d": "2027-02-18", "e": "2027-02-23"}}}, "text_sha256": "5e4cf6f274ca84b81de8a54f4ba6a0799d05044782f3a66bf9bfb50dbf775a0b", "state_tokens": 130}}
{"state": "GADGET COVER: TERMS AND CONDITIONS\nIssued by Voltguard Protection Ltd\nIn this policy, \"the Provider\" means Voltguard Protection Ltd and \"the Customer\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Accessories means cases, chargers, earbuds and styluses.\n(2) Accessories means cases, chargers and earbuds.\n(3) Assessed loss means the cost of repair or replacement agreed by the Provider, before any service fee, limit or sublimit is applied.\n(4) Battery replacement means replacement batteries and battery repairs.\n(5) Breakdown means the failure of a part to work as the manufacturer intended, from an internal electrical or mechanical fault.\n(6) Device means the item shown in the schedule, bought new from an authorised retailer.\n(7) Family means the Customer's spouse or partner and any children who live with the Customer.\n(8) Manufacturer's warranty period means the first 24 months after the device was bought.\n(9) Policy period means twelve months from the policy start date shown in the Customer's schedule.\n(10) Premium means the amount the Customer must pay for this policy, including any taxes.\n(11) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(12) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(13) Replacement device means a device of the same or similar specification, which may be refurbished.\n(14) Schedule means the document issued with this policy that shows the Customer's details, the covers the Customer bought and any extensions.\n(15) Wearables means smartwatches and fitness trackers.\n\n§ 2  Limits and service fee\n(1) Accidental Damage: limit $1,500 per incident; service fee $79 per claim.\n(2) Breakdown: limit $600 per incident; service fee $49 per claim.\n(3) Theft and Loss: limit $1,200 per incident; service fee $99 per claim.\n(4) Any limit or sublimit is applied to the assessed loss first, and the service fee is then deducted from the result.\n\n§ 3  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Provider will pay only the Provider's proportionate share.\n(2) The Customer must tell the Provider about any other insurance that covers the same loss when the Customer makes a claim.\n\n§ 4  Instalment agreements\n(1) If the Customer pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 5  Compensation scheme\n(1) The Provider is covered by a financial services compensation scheme.\n(2) If the Provider cannot meet the Provider's obligations, the Customer may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 6  Payment of claims\n(1) The Provider will pay claims by bank transfer to an account in the Customer's name.\n(2) The Provider aims to pay accepted claims within 5 working days of receiving all the documents the Provider needs.\n\n§ 7  Market conditions\n(1) If the replacement item is no longer available, the Provider will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 8  Arbitration\n(1) If the Provider accepts a claim but disagree with the Customer about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Provider.\n\n§ 9  Changes in circumstances\n(1) The Customer must tell the Provider as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Provider may then change the premium or the terms of this policy, or cancel it.\n\n§ 10  Salvage\n(1) When the Provider replaces an item, the damaged or recovered item becomes the Provider's property.\n(2) If stolen property is recovered after the Provider has paid a claim, the Customer must tell the Provider and either return the payment or give the Provider the property.\n\n§ 11  Optional cover: Theft and Loss\n(1) The Provider will replace the Customer's device if it is stolen or lost.\n(2) This section applies only if it is shown as purchased in the Customer's schedule.\n(3) The most the Provider will pay for Accessories under this section is $100 per incident.\n(4) The Provider will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Provider will not pay for theft that was not reported to the police.\n\n§ 12  Complaints\n(1) If the Customer has a complaint, the Customer should first contact the Provider's customer relations team, quoting the policy number.\n(2) The Provider will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Customer remains dissatisfied, the Customer may be able to refer the complaint to an independent ombudsman service.\n\n§ 13  Change of address\n(1) The Customer must tell the Provider within 30 days if the Customer changes the Customer's address.\n(2) The Provider may change the premium or the terms from the date of the move.\n\n§ 14  Replacement devices\n(1) If the Provider cannot repair the Customer's device economically, the Provider will replace it with a replacement device.\n(2) Replacement devices may be a different colour and may be refurbished to an as-new standard.\n(3) Accessories are replaced only if they were lost or damaged in the same incident as the device.\n\n§ 15  Accidental Damage\n(1) The Provider will repair or replace the Customer's device if it is accidentally damaged.\n(2) The most the Provider will pay for Accessories under this section is $100 per incident.\n(3) The most the Provider will pay for Wearables under this section is $300 per incident.\n(4) The Provider will not pay for cosmetic damage, such as scratches or dents, that does not affect how the device works.\n(5) The Provider will not pay for damage following a repair by anyone other than the Provider or an authorised repairer. This exclusion does not apply if the Provider approved the repair in writing beforehand.\n\n§ 16  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Provider may charge the premium without the discount from that date.\n\n§ 17  Unrecoverable devices\n(1) If a device is found after the Provider has replaced it, the found device becomes the Provider's property and must be sent to the Provider.\n(2) The Provider may block devices reported as lost or stolen so that they cannot be used on mobile networks.\n\n§ 18  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 19  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 20  Breakdown\n(1) The Provider will repair or replace the Customer's device if it stops working because of an electrical or mechanical fault.\n(2) No cover applies under this section to any incident that happens within the first 45 days after the policy start date.\n(3) The most the Provider will pay for Battery replacement under this section is $120 per incident.\n(4) The Provider will not pay for breakdowns during the manufacturer's warranty period.\n(5) The Provider will not pay for breakdown caused by liquid getting into the device.\n\n§ 21  Transferring the plan\n(1) The Customer may transfer the plan to a new owner of the device by telling the Provider in writing.\n(2) The remaining term of the plan transfers with the device; the term does not restart.\n\n§ 22  Renewal\n(1) The Provider will write to the Customer at least 21 days before the end of the policy period with the renewal terms.\n(2) The Provider is not obliged to offer renewal.\n\n§ 23  Recovery of costs\n(1) If the Provider pays a claim that is later found not to be covered, the Provider may ask the Customer to repay the amount.\n\n§ 24  Cooperation\n(1) The Customer must give the Provider all the help and information the Provider reasonably need to settle a claim.\n(2) The Customer must not admit liability or offer to settle any claim without the Provider's written permission.\n\n§ 25  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 26  Sanctions\n(1) The Provider will not provide cover or pay any claim to the extent that doing so would expose the Provider to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 27  Data protection\n(1) The Provider will use the personal information the Customer provides to administer this policy and to handle claims.\n(2) The Provider will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Customer can ask for a copy of the personal information the Provider holds by writing to the Provider's data protection officer.\n\n§ 28  Software support\n(1) The Provider's helpline can give advice on setting up and using the Customer's device.\n(2) Software support does not include fixing problems caused by third-party apps or unofficial operating systems.\n\n§ 29  Records and evidence\n(1) The Customer should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Provider may base any settlement on the price of a comparable item.\n(3) The Provider may ask for evidence of how and when an item was acquired.\n\n§ 30  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 31  Inflation\n(1) The Provider may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Customer's renewal documents; limits do not change during a policy period.\n\n§ 32  Automatic renewal\n(1) Unless the Customer tells the Provider otherwise, this policy will renew automatically at the end of the policy period using the payment details the Provider holds.\n(2) The Customer can switch off automatic renewal at any time by contacting the Provider's helpline.\n\n§ 33  Notices\n(1) Any notice the Provider gives under this policy will be sent to the most recent postal or email address the Provider holds.\n(2) Notices from the Customer should be sent to the address shown in the schedule.\n\n§ 34  Repair process\n(1) After a claim is accepted, the Provider will send a prepaid mailer or book a courier collection.\n(2) The Provider aims to return repaired devices within 5 business days of receiving them.\n\n§ 35  Data and backups\n(1) The Provider is not responsible for recovering or restoring any data, software or settings stored on the Customer's device.\n(2) The Customer should back up the Customer's data regularly and before sending the device for repair.\n\n§ 36  Claims documents\n(1) The Customer must provide, at the Customer's own expense, original receipts, invoices, reports and any other evidence the Provider reasonably ask for.\n(2) The Provider may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 37  Customer support\n(1) The Provider's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Customer can leave a message and the Provider will call back on the next working day.\n\n§ 38  Reasonable precautions\n(1) The Customer must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Customer must take reasonable steps to recover lost or stolen property.\n\n§ 39  Interest\n(1) The Provider will not pay interest on any claim payment unless the law requires it.\n\n§ 40  Waiver\n(1) If the Provider does not enforce any term of this policy, that does not mean the Provider has given up the right to enforce it later.\n\n§ 41  General exclusions\n(1) The Provider will not pay for any fraudulent claim or any claim supported by false documents.\n(2) The Provider will not pay for any deliberate or criminal act by the Customer.\n(3) The Provider will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(4) The Provider will not pay for loss arising from a government order or sanction that prohibits the Provider from paying.\n(5) The Provider will not pay for loss or damage caused by war, invasion, or civil war.\n\n§ 42  Third-party administrators\n(1) The Provider may appoint another company to handle claims or other services on the Provider's behalf.\n(2) Any company the Provider appoints must follow the terms of this policy and applicable data protection law.\n\n§ 43  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Provider will not pay the claim and all cover under this policy may be cancelled.\n(2) The Provider may share information with fraud prevention agencies and other insurers.\n\n§ 44  Electronic documents\n(1) The Provider will send documents by email unless the Customer asks for paper copies.\n(2) The Customer must tell the Provider if the Customer's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 45  Environmental commitment\n(1) Where practical, the Provider will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Customer may ask for a new part instead, and the Provider will tell the Customer whether any additional cost would apply.\n\n§ 46  Premium payment\n(1) The Customer must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 7 days of its due date, the Provider may cancel the policy after giving notice.\n\n§ 47  Making a claim\n(1) The Customer must notify the Provider of a claim within 60 days of the incident. The Provider will not pay any claim notified after that time.\n(2) The Customer must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Provider may appoint a loss adjuster to investigate any claim.\n\n§ 48  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 49  Exchange of information\n(1) To prevent fraud, the Provider may check the details the Customer gives against public records and industry databases.\n(2) The Provider may contact previous insurers to confirm the Customer's claims history.\n\n§ 50  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 51  Cancellation\n(1) The Customer can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Customer can cancel at any time; the Provider will refund the premium for the unexpired period less an administration charge of $30.\n(3) The Provider can cancel this policy by giving the Customer 30 days' written notice to the last address the Provider holds.\n\n§ 52  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 53  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Provider may adjust the premium from the date of the change.\n\n§ 54  Assignment\n(1) The Customer cannot transfer the Customer's interest in this policy to anyone else without the Provider's written consent.\n\n§ 55  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 56  Subrogation\n(1) The Provider will be entitled to take over and conduct in the Customer's name the defence or settlement of any claim.\n(2) The Provider can take action in the Customer's name to recover any payment the Provider makes from anyone responsible for the loss.\n\n§ 57  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 58  Duty of fair presentation\n(1) The Customer must answer all questions the Provider asks honestly and to the best of the Customer's knowledge.\n(2) If the Customer gives incorrect information deliberately or recklessly, the Provider may treat this policy as if it never existed and keep the premium.\n(3) If the Customer gives incorrect information carelessly, the Provider may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 59  Communication\n(1) The Provider will communicate with the Customer in English.\n(2) The Provider may record telephone calls for training and quality purposes.\n\n=== CLAIM ===\nClaim summary: Aiko Lindqvist; policy T955727; policy start 7 March 2026; schedule covers Accidental Damage, Breakdown; extensions none. Section claimed: Breakdown, for a smartphone battery that no longer holds a charge. Incident date 3 October 2026; notified 24 November 2026; assessed loss $398.25. Facts: The device was bought 25 months before it broke down. The technician found a failed component on the main board. Aiko bought the device from an authorised retailer. Aiko uses the device mainly for work. The retailer's receipt was uploaded with the claim.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_less_fee": "Pay the assessed loss less the service fee", "pay_sublimit": "Pay up to the Battery replacement sublimit (§ 20(3))", "deny_liquid": "Decline under the liquid damage exclusion (§ 20(5))", "pay_limit": "Pay up to the Breakdown limit", "deny_late": "Decline: the claim was notified too late (§ 47(1))"}, "src": "hard_long_policy", "label": "pay_sublimit"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$551", "b": "$398.25", "c": "$120", "d": "$71", "e": "$349.25"}, "src": "hard_long_policy", "label": "d"}}, "_meta": {"id": "hard-v1/long_policy/development/00043", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00043", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "device", "target": "pay_sublimit", "category": "breakdown", "tempting": null, "facts": {"domain": "device", "fee_order": "after", "notice_days": 60, "categories": {"accidental_damage": {"limit": 1500, "fee": 79, "waiting": 0, "purchased": true}, "breakdown": {"limit": 600, "fee": 49, "waiting": 45, "purchased": true}, "theft_loss": {"limit": 1200, "fee": 99, "waiting": 0, "purchased": false}}, "classes": {"accessories": {"category": "accidental_damage", "cap": 100}, "wearables": {"category": "accidental_damage", "cap": 300}, "battery": {"category": "breakdown", "cap": 120}, "accessories_tl": {"category": "theft_loss", "cap": 100}}, "exclusions": [{"key": "cosmetic_damage", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unauthorised_repair", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "manufacturer_warranty", "categories": ["breakdown"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}, {"key": "liquid", "categories": ["breakdown"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unattended", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "no_police_report", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "breakdown", "item": "the battery", "item_class": "battery", "loss_cents": 39825, "start": "2026-03-07", "incident": "2026-10-03", "reported": "2026-11-24", "conditions": {}, "values": {"manufacturer_warranty": 25}, "exceptions": {}}, "options_q": {"outcome": {"pay_less_fee": "pay_less_fee", "pay_sublimit": "pay_sublimit", "deny_liquid": "deny_liquid", "pay_limit": "pay_limit", "deny_late": "deny_late"}, "amount": {"a": 55100, "b": 39825, "c": 12000, "d": 7100, "e": 34925}}}, "text_sha256": "3b53e3c1b9972014814a4705d2e93abc5c0ec419e126d4d5ae1ab5f3e688897d", "state_tokens": 4208}}
{"state": "SPEC SHEET: a laptop model for the staff hardware refresh\nOrbit 13 | unit price=$1,390 | battery life=18 hours | weight=2.4 kg | scalability score=10/10 | support quality score=4/10 | reliability score=10/10 | three-year on-site warranty=yes | built-in LTE=yes\nKeystone 15 | unit price=$1,220 | battery life=6 hours | weight=2.3 kg | scalability score=10/10 | support quality score=9/10 | reliability score=8/10 | three-year on-site warranty=no | built-in LTE=no\nSlate Pro | unit price=$1,330 | battery life=12 hours | weight=1.5 kg | scalability score=8/10 | support quality score=7/10 | reliability score=7/10 | three-year on-site warranty=no | built-in LTE=yes\nR1: its weight must be at most 2.3 kg\nR2: it must offer built-in LTE\nSelection: Each option has been scored from 1 to 10 on scalability, support quality and reliability (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 40% scalability, 35% support quality, 25% reliability.", "questions": {"choice": {"type": "choice", "instructions": "Which model best satisfies the brief?", "criteria": {"keystone_15": null, "orbit_13": null, "slate_pro": null}, "src": "hard_tradeoff", "label": "slate_pro"}, "meets": {"type": "noul", "instructions": "Does Slate Pro meet every hard requirement?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00025", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00025", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "model", "none_case": false, "facts": {"rule": "weighted", "options": {"Orbit 13": {"cost": 1390, "battery": 18, "weight": 24, "warranty": true, "lte": true, "scalability": 10, "support quality": 4, "reliability": 10}, "Keystone 15": {"cost": 1220, "battery": 6, "weight": 23, "warranty": false, "lte": false, "scalability": 10, "support quality": 9, "reliability": 8}, "Slate Pro": {"cost": 1330, "battery": 12, "weight": 15, "warranty": false, "lte": true, "scalability": 8, "support quality": 7, "reliability": 7}}, "constraints": [{"attr": "weight", "op": "<=", "value": 23}, {"attr": "lte", "op": "is", "value": true}], "priority": [], "weights": {"scalability": 40, "support quality": 35, "reliability": 25}, "years": null, "check": "Slate Pro", "options_q": {"choice": {"keystone_15": "keystone_15", "orbit_13": "orbit_13", "slate_pro": "slate_pro"}}}, "text_sha256": "0a7661f1444b1bc0b8becac5663ad28d6eff20c4ee6c47bebcc1e74ad2272d5b", "state_tokens": 297}}
{"state": "DEVICE PROTECTION PLAN TERMS\nIssued by Voltguard Protection Ltd\nIn this policy, \"the Provider\" means Voltguard Protection Ltd and \"the Customer\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Accessories means cases, chargers, earbuds and styluses.\n(2) Accessories means cases, chargers and earbuds.\n(3) Assessed loss means the cost of repair or replacement agreed by the Provider, before any service fee, limit or sublimit is applied.\n(4) Authorised repairer means a repairer approved in writing by the Provider.\n(5) Battery replacement means replacement batteries and battery repairs.\n(6) Business day means Monday to Friday, excluding public holidays.\n(7) Device means the item shown in the schedule, bought new from an authorised retailer.\n(8) Manufacturer's warranty period means the first 24 months after the device was bought.\n(9) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(10) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(11) Schedule means the document issued with this policy that shows the Customer's details, the covers the Customer bought and any extensions.\n(12) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(13) Wearables means smartwatches and fitness trackers.\n\n§ 2  Limits and service fee\n(1) Accidental Damage: limit $800 per incident; service fee $79 per claim.\n(2) Breakdown: limit $1,500 per incident; service fee $25 per claim.\n(3) Theft and Loss: limit $800 per incident; service fee $149 per claim.\n(4) Any limit or sublimit is applied to the assessed loss first, and the service fee is then deducted from the result.\n\n§ 3  Optional cover: Theft and Loss\n(1) The Provider will replace the Customer's device if it is stolen or lost.\n(2) This section applies only if it is shown as purchased in the Customer's schedule.\n(3) The most the Provider will pay for Accessories under this section is $50 per incident.\n(4) The Provider will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Provider will not pay for theft that was not reported to the police.\n\n§ 4  Accidental Damage\n(1) The Provider will repair or replace the Customer's device if it is accidentally damaged.\n(2) The most the Provider will pay for Accessories under this section is $50 per incident.\n(3) The most the Provider will pay for Wearables under this section is $300 per incident.\n(4) The Provider will not pay for cosmetic damage, such as scratches or dents, that does not affect how the device works.\n(5) The Provider will not pay for damage following a repair by anyone other than the Provider or an authorised repairer. This exclusion does not apply if the Provider approved the repair in writing beforehand.\n\n§ 5  Breakdown\n(1) The Provider will repair or replace the Customer's device if it stops working because of an electrical or mechanical fault.\n(2) No cover applies under this section to any incident that happens within the first 45 days after the policy start date.\n(3) The most the Provider will pay for Battery replacement under this section is $80 per incident.\n(4) The Provider will not pay for breakdowns during the manufacturer's warranty period.\n(5) The Provider will not pay for breakdown caused by liquid getting into the device.\n\n§ 6  General exclusions\n(1) The Provider will not pay for any fraudulent claim or any claim supported by false documents.\n(2) The Provider will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(3) The Provider will not pay for loss or damage caused by war, invasion, or civil war.\n\n§ 7  Making a claim\n(1) The Customer must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Customer must notify the Provider of a claim within 21 days of the incident. The Provider will not pay any claim notified after that time.\n(3) The Provider may appoint a loss adjuster to investigate any claim.\n\n§ 8  Recovery of costs\n(1) If the Provider pays a claim that is later found not to be covered, the Provider may ask the Customer to repay the amount.\n\n§ 9  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 10  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Provider may charge the premium without the discount from that date.\n\n§ 11  Premium payment\n(1) The Customer must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Provider may cancel the policy after giving notice.\n\n§ 12  Unrecoverable devices\n(1) If a device is found after the Provider has replaced it, the found device becomes the Provider's property and must be sent to the Provider.\n(2) The Provider may block devices reported as lost or stolen so that they cannot be used on mobile networks.\n\n§ 13  Assignment\n(1) The Customer cannot transfer the Customer's interest in this policy to anyone else without the Provider's written consent.\n\n§ 14  Transferring the plan\n(1) The Customer may transfer the plan to a new owner of the device by telling the Provider in writing.\n(2) The remaining term of the plan transfers with the device; the term does not restart.\n\n§ 15  Cancellation\n(1) The Customer can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Customer can cancel at any time; the Provider will refund the premium for the unexpired period less an administration charge of $15.\n(3) The Provider can cancel this policy by giving the Customer 30 days' written notice to the last address the Provider holds.\n\n§ 16  Duty of fair presentation\n(1) The Customer must answer all questions the Provider asks honestly and to the best of the Customer's knowledge.\n(2) If the Customer gives incorrect information deliberately or recklessly, the Provider may treat this policy as if it never existed and keep the premium.\n(3) If the Customer gives incorrect information carelessly, the Provider may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 17  Notices\n(1) Any notice the Provider gives under this policy will be sent to the most recent postal or email address the Provider holds.\n(2) Notices from the Customer should be sent to the address shown in the schedule.\n\n§ 18  Customer support\n(1) The Provider's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Customer can leave a message and the Provider will call back on the next working day.\n\n§ 19  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 20  Change of address\n(1) The Customer must tell the Provider within 30 days if the Customer changes the Customer's address.\n(2) The Provider may change the premium or the terms from the date of the move.\n\n§ 21  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Provider will pay only the Provider's proportionate share.\n(2) The Customer must tell the Provider about any other insurance that covers the same loss when the Customer makes a claim.\n\n§ 22  Automatic renewal\n(1) Unless the Customer tells the Provider otherwise, this policy will renew automatically at the end of the policy period using the payment details the Provider holds.\n(2) The Customer can switch off automatic renewal at any time by contacting the Provider's helpline.\n\n§ 23  Third-party administrators\n(1) The Provider may appoint another company to handle claims or other services on the Provider's behalf.\n(2) Any company the Provider appoints must follow the terms of this policy and applicable data protection law.\n\n§ 24  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 25  Salvage\n(1) When the Provider replaces an item, the damaged or recovered item becomes the Provider's property.\n(2) If stolen property is recovered after the Provider has paid a claim, the Customer must tell the Provider and either return the payment or give the Provider the property.\n\n§ 26  Inflation\n(1) The Provider may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Customer's renewal documents; limits do not change during a policy period.\n\n§ 27  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 28  Reasonable precautions\n(1) The Customer must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Customer must take reasonable steps to recover lost or stolen property.\n\n§ 29  Records and evidence\n(1) The Customer should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Provider may base any settlement on the price of a comparable item.\n(3) The Provider may ask for evidence of how and when an item was acquired.\n\n§ 30  Changes in circumstances\n(1) The Customer must tell the Provider as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Provider may then change the premium or the terms of this policy, or cancel it.\n\n§ 31  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 32  Repair process\n(1) After a claim is accepted, the Provider will send a prepaid mailer or book a courier collection.\n(2) The Provider aims to return repaired devices within 5 business days of receiving them.\n\n§ 33  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 34  Arbitration\n(1) If the Provider accepts a claim but disagree with the Customer about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Provider.\n\n§ 35  Sanctions\n(1) The Provider will not provide cover or pay any claim to the extent that doing so would expose the Provider to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 36  Data and backups\n(1) The Provider is not responsible for recovering or restoring any data, software or settings stored on the Customer's device.\n(2) The Customer should back up the Customer's data regularly and before sending the device for repair.\n\n§ 37  Exchange of information\n(1) To prevent fraud, the Provider may check the details the Customer gives against public records and industry databases.\n(2) The Provider may contact previous insurers to confirm the Customer's claims history.\n\n§ 38  Subrogation\n(1) The Provider will be entitled to take over and conduct in the Customer's name the defence or settlement of any claim.\n(2) The Provider can take action in the Customer's name to recover any payment the Provider makes from anyone responsible for the loss.\n\n§ 39  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Provider will not pay the claim and all cover under this policy may be cancelled.\n(2) The Provider may share information with fraud prevention agencies and other insurers.\n\n§ 40  Communication\n(1) The Provider will communicate with the Customer in English.\n(2) The Provider may record telephone calls for training and quality purposes.\n\n§ 41  Payment of claims\n(1) The Provider will pay claims by bank transfer to an account in the Customer's name.\n(2) The Provider aims to pay accepted claims within 5 working days of receiving all the documents the Provider needs.\n\n§ 42  Complaints\n(1) If the Customer has a complaint, the Customer should first contact the Provider's customer relations team, quoting the policy number.\n(2) The Provider will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Customer remains dissatisfied, the Customer may be able to refer the complaint to an independent ombudsman service.\n\n§ 43  Instalment agreements\n(1) If the Customer pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n=== CLAIM ===\nClaim summary: Tess Brennan; policy D922343; policy start 14 June 2026; schedule covers Accidental Damage, Breakdown; extensions none. Section claimed: Breakdown, for a smartphone battery that no longer holds a charge. Incident date 21 November 2026; notified 23 November 2026; assessed loss $157. Facts: The technician found a failed component on the main board. Tess bought the device from an authorised retailer. The device is registered in Tess's name.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_limit": "Pay up to the Breakdown limit", "deny_late": "Decline: the claim was notified too late (§ 7(2))", "pay_sublimit": "Pay up to the Battery replacement sublimit (§ 5(3))", "deny_liquid": "Decline under the liquid damage exclusion (§ 5(5))", "pay_less_fee": "Pay the assessed loss less the service fee"}, "src": "hard_long_policy", "label": "pay_sublimit"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$55", "b": "$132", "c": "$1,475", "d": "$157", "e": "$80"}, "src": "hard_long_policy", "label": "a"}}, "_meta": {"id": "hard-v1/long_policy/development/00048", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00048", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "device", "target": "pay_sublimit", "category": "breakdown", "tempting": null, "facts": {"domain": "device", "fee_order": "after", "notice_days": 21, "categories": {"accidental_damage": {"limit": 800, "fee": 79, "waiting": 0, "purchased": true}, "breakdown": {"limit": 1500, "fee": 25, "waiting": 45, "purchased": true}, "theft_loss": {"limit": 800, "fee": 149, "waiting": 0, "purchased": false}}, "classes": {"accessories": {"category": "accidental_damage", "cap": 50}, "wearables": {"category": "accidental_damage", "cap": 300}, "battery": {"category": "breakdown", "cap": 80}, "accessories_tl": {"category": "theft_loss", "cap": 50}}, "exclusions": [{"key": "cosmetic_damage", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unauthorised_repair", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "manufacturer_warranty", "categories": ["breakdown"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}, {"key": "liquid", "categories": ["breakdown"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unattended", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "no_police_report", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "breakdown", "item": "the battery", "item_class": "battery", "loss_cents": 15700, "start": "2026-06-14", "incident": "2026-11-21", "reported": "2026-11-23", "conditions": {}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"pay_limit": "pay_limit", "deny_late": "deny_late", "pay_sublimit": "pay_sublimit", "deny_liquid": "deny_liquid", "pay_less_fee": "pay_less_fee"}, "amount": {"a": 5500, "b": 13200, "c": 147500, "d": 15700, "e": 8000}}}, "text_sha256": "4ceae2fe010a4b4fd6a6144c4a05ef165ee0b4ddb3eca11092adb4a36f3d2bee", "state_tokens": 3243}}
{"state": "MEMO\nRe: Alert from iOS release train\n\nPaging rule: an alert pages the owning team's primary on-call; if the primary is on leave that day, it pages the secondary; if the secondary is also on leave, it pages the team's engineering manager. This week's Data Platform primary on-call is Emeka and the secondary is Bram. The Storage engineering manager is Ravi.\n\nThe Payments engineering manager is Mateo. Alerts from the cart service are owned by the Storage team. Alerts from the card tokenizer are owned by the Storage team.\n\nAlerts from the blob store are owned by the Data Platform team. This week's Payments primary on-call is Ashok and the secondary is Diego. Ashok is on leave from August 24, 2026 to August 28, 2026 inclusive.\n\nThis week's Storage primary on-call is Hugo and the secondary is Fiona. The Data Platform engineering manager is Luca. Alerts from the iOS release train are owned by the Payments team.\n\nOn August 25, 2026, an alert fired from the iOS release train.", "questions": {"paged": {"type": "choice", "instructions": "Who is the right person to page?", "criteria": {"diego": null, "hugo": null, "ashok": null, "mateo": null}, "src": "hard_multi_hop", "label": "diego"}}, "_meta": {"id": "hard-v1/multi_hop/development/00080", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00080", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "oncall", "facts": {"kind": "oncall", "routes": {"card tokenizer": "Storage", "blob store": "Data Platform", "iOS release train": "Payments", "cart service": "Storage"}, "primary": {"Storage": "Hugo", "Data Platform": "Emeka", "Payments": "Ashok"}, "secondary": {"Storage": "Fiona", "Data Platform": "Bram", "Payments": "Diego"}, "manager": {"Storage": "Ravi", "Data Platform": "Luca", "Payments": "Mateo"}, "leave": {"Ashok": [["2026-08-24", "2026-08-28"]]}, "component": "iOS release train", "date": "2026-08-25", "options_q": {"paged": {"diego": "diego", "hugo": "hugo", "ashok": "ashok", "mateo": "mateo"}}}, "text_sha256": "52775d252b5ce02c3222ee6e74e7f8e866cbd863cc15c19851c356399924bd93", "state_tokens": 233}}
{"state": "REVIEW REQUEST\nItem: Monthly active users went from 3,163 to 4,315. What is the percentage change, to one decimal place (negative for a decrease)?\nSubmitted result: -36.4%", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "-36.4%", "b": "136.4%", "c": "36.4%", "d": "26.7%", "e": "1,152.0%"}, "src": "hard_judge", "label": "c"}}, "_meta": {"id": "hard-v1/judge/development/00024", "source": "hard_judge", "group_id": "hard-v1/judge/development/00024", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "pct_change", "error": "sign_flip", "facts": {"kind": "pct_change", "args": {"old": 3163, "new": 4315}, "dp": 1, "proposed": -364, "error": "sign_flip", "options_q": {"value": {"a": -364, "b": 1364, "c": 364, "d": 267, "e": 11520}}}, "text_sha256": "8a4500ea7fef976bbcf8c160cd26b973e8377616d9bbbc4d7d384afe760d74d8", "state_tokens": 51}}
{"state": "MEMO\nRe: Approval routing\n\nPurchase requests of this size must be approved by the requester's manager's manager (the skip-level manager). Owen reports to Zainab. Ashok reports to Colm.\n\nAiko reports to Ines. Sofia reports to Tess. Colm reports to Sofia.\n\nTariq reports to Colm. Zainab is a Director. Colm is a Senior Manager.\n\nTariq is a Manager. Ashok is a Manager. Fiona is a Manager.\n\nSofia is a Director. Owen is a Director. Sana is a Manager.\n\nBeatriz is a Manager. Aiko is a Manager. Mira is a Director.\n\nJae is a Chief Executive. Tess is a Vice President. Ines is a Director.\n\nFiona reports to Mira. Ines reports to Sofia. Mira reports to Zainab.\n\nSana reports to Owen. Beatriz reports to Ines. Tess reports to Jae.\n\nZainab reports to Tess. Aiko has submitted a purchase request for $44,500.", "questions": {"approver": {"type": "choice", "instructions": "Which person has to approve the request?", "criteria": {"jae": null, "sofia": null, "ashok": null, "tess": null, "ines": null}, "src": "hard_multi_hop", "label": "sofia"}}, "_meta": {"id": "hard-v1/multi_hop/development/00007", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00007", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "org", "rule": "skip", "hops": 4, "facts": {"kind": "org", "reports": {"Tess": "Jae", "Sofia": "Tess", "Zainab": "Tess", "Ines": "Sofia", "Colm": "Sofia", "Mira": "Zainab", "Owen": "Zainab", "Aiko": "Ines", "Beatriz": "Ines", "Tariq": "Colm", "Ashok": "Colm", "Fiona": "Mira", "Sana": "Owen"}, "titles": {"Jae": "Chief Executive", "Tess": "Vice President", "Sofia": "Director", "Zainab": "Director", "Ines": "Director", "Colm": "Senior Manager", "Mira": "Director", "Owen": "Director", "Aiko": "Manager", "Beatriz": "Manager", "Tariq": "Manager", "Ashok": "Manager", "Fiona": "Manager", "Sana": "Manager"}, "requester": "Aiko", "rule": "skip", "min_title": "Director", "options_q": {"approver": {"jae": "jae", "sofia": "sofia", "ashok": "ashok", "tess": "tess", "ines": "ines"}}}, "text_sha256": "dc439462021d82d575ae2ce22ac7429ee0164e26d26e5b4145a88b1782208602", "state_tokens": 224}}
{"state": "SPEC SHEET: a managed database service for the orders system\nPolar Store | monthly cost=$650 | write latency=18 ms | recovery point objective=5 minutes | point-in-time recovery=no | multi-region replicas=no\nWren Cloud SQL | monthly cost=$1,800 | write latency=24 ms | recovery point objective=19 minutes | point-in-time recovery=yes | multi-region replicas=yes\nLumen Data | monthly cost=$2,750 | write latency=3 ms | recovery point objective=33 minutes | point-in-time recovery=no | multi-region replicas=yes\nR1: it must offer multi-region replicas\nSelection: Among the options that meet every requirement, choose the one with the lowest recovery point objective; if two or more are tied on recovery point objective, choose the one with the lowest monthly cost.", "questions": {"choice": {"type": "choice", "instructions": "Which service best satisfies the brief?", "criteria": {"lumen_data": null, "polar_store": null, "wren_cloud_sql": null}, "src": "hard_tradeoff", "label": "wren_cloud_sql"}, "meets": {"type": "noul", "instructions": "Is Polar Store compliant with all the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00070", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00070", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "service", "none_case": false, "facts": {"rule": "lex", "options": {"Polar Store": {"cost": 650, "latency": 18, "rpo": 5, "pitr": false, "multiregion": false}, "Wren Cloud SQL": {"cost": 1800, "latency": 24, "rpo": 19, "pitr": true, "multiregion": true}, "Lumen Data": {"cost": 2750, "latency": 3, "rpo": 33, "pitr": false, "multiregion": true}}, "constraints": [{"attr": "multiregion", "op": "is", "value": true}], "priority": [["rpo", "lower"], ["cost", "lower"]], "weights": {}, "years": null, "check": "Polar Store", "options_q": {"choice": {"lumen_data": "lumen_data", "polar_store": "polar_store", "wren_cloud_sql": "wren_cloud_sql"}}}, "text_sha256": "07ab709d42a013b29ab4e2961bc0ab69c3f1d981a7e2401d3e971172e96b9251", "state_tokens": 177}}
{"state": "MEMO\nRe: Outage: billing-api\n\nOutages propagate along hard dependencies: if a service goes down, every service that depends on it, directly or through other hard dependencies, is affected. Soft dependencies do not propagate outages. search-indexer depends on order-queue. email-relay depends on geo-lookup.\n\ngeo-lookup depends on billing-api. pricing-engine depends on search-indexer. billing-api depends on user-profile.\n\nfraud-scorer depends on billing-api (soft dependency: it degrades gracefully and keeps working if billing-api is down). reporting-etl depends on order-queue. billing-api is currently down.", "questions": {"affected": {"type": "choice", "instructions": "Which of these will the outage reach?", "criteria": {"user_profile": null, "none_affected": "None of these services is affected", "reporting_etl": null, "fraud_scorer": null, "email_relay": null}, "src": "hard_multi_hop", "label": "email_relay"}}, "_meta": {"id": "hard-v1/multi_hop/development/00012", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00012", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "deps", "hops": 2, "soft": true, "facts": {"kind": "deps", "edges": [["geo-lookup", "billing-api", false], ["email-relay", "geo-lookup", false], ["billing-api", "user-profile", false], ["search-indexer", "order-queue", false], ["reporting-etl", "order-queue", false], ["fraud-scorer", "billing-api", true], ["pricing-engine", "search-indexer", false]], "down": "billing-api", "candidates": ["email-relay", "user-profile", "reporting-etl", "fraud-scorer"], "options_q": {"affected": {"user_profile": "user_profile", "none_affected": "none_affected", "reporting_etl": "reporting_etl", "fraud_scorer": "fraud_scorer", "email_relay": "email_relay"}}}, "text_sha256": "b3140c97fe98eb156c842d5f62f8d1ff14c899ef28727db3d8f298cb29a73897", "state_tokens": 133}}
{"state": "MEMO\nRe: Shipping\n\nOrders ship free when the order total after all discounts is at least $50.00; otherwise the standard shipping fee applies. Ravi Ivanova's basket totals $67.42 before discounts. The coupon Ravi applied took $5.00 off.\n\nThe basket contains three items from the same warehouse. Ravi chose standard delivery.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "standard_shipping": "Charge the standard shipping fee", "free_shipping": "Ship the order free"}, "src": "hard_ambiguous", "label": "free_shipping"}}, "_meta": {"id": "hard-v1/ambiguous/development/00056", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00056", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "shipping", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "shipping", "insufficient_key": "not_enough_information", "params": {"threshold_cents": 5000, "subtotal_cents": 6742, "discount_cents": 500}, "deciding_present": true, "options_q": {"decision": {"not_enough_information": "not_enough_information", "standard_shipping": "standard_shipping", "free_shipping": "free_shipping"}}}, "text_sha256": "c2d16f27f30959179bc926152ca77a3c5d1b8620dbfcedaf8f46929e3f5923a7", "state_tokens": 80}}
{"state": "SPEC SHEET: a laptop model for the staff hardware refresh\nNova Air | unit price=$1,110 | battery life=18 hours | weight=2.0 kg | security score=9/10 | support quality score=10/10 | reliability score=8/10 | three-year on-site warranty=yes | built-in LTE=yes\nAero 14 | unit price=$1,650 | battery life=15 hours | weight=2.0 kg | security score=4/10 | support quality score=10/10 | reliability score=3/10 | three-year on-site warranty=yes | built-in LTE=no\nSlate Pro | unit price=$710 | battery life=6 hours | weight=2.3 kg | security score=8/10 | support quality score=7/10 | reliability score=3/10 | three-year on-site warranty=yes | built-in LTE=no\nR1: its weight must be at most 2.1 kg\nR2: it must offer three-year on-site warranty\nSelection: Each option has been scored from 1 to 10 on security, support quality and reliability (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 40% security, 35% support quality, 25% reliability.", "questions": {"choice": {"type": "choice", "instructions": "Which model best satisfies the brief?", "criteria": {"aero_14": null, "slate_pro": null, "none_qualifies": "Reject all options: none meets the requirements", "nova_air": null}, "src": "hard_tradeoff", "label": "nova_air"}, "meets": {"type": "noul", "instructions": "Does Slate Pro pass the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00067", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00067", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "model", "none_case": false, "facts": {"rule": "weighted", "options": {"Nova Air": {"cost": 1110, "battery": 18, "weight": 20, "warranty": true, "lte": true, "security": 9, "support quality": 10, "reliability": 8}, "Aero 14": {"cost": 1650, "battery": 15, "weight": 20, "warranty": true, "lte": false, "security": 4, "support quality": 10, "reliability": 3}, "Slate Pro": {"cost": 710, "battery": 6, "weight": 23, "warranty": true, "lte": false, "security": 8, "support quality": 7, "reliability": 3}}, "constraints": [{"attr": "weight", "op": "<=", "value": 21}, {"attr": "warranty", "op": "is", "value": true}], "priority": [], "weights": {"security": 40, "support quality": 35, "reliability": 25}, "years": null, "check": "Slate Pro", "options_q": {"choice": {"aero_14": "aero_14", "slate_pro": "slate_pro", "none_qualifies": "none_qualifies", "nova_air": "nova_air"}}}, "text_sha256": "b36395384455c29b0a4e6c71f6657a4ee30833ca4085f685b5a8d99db5e0da76", "state_tokens": 293}}
{"state": "MEMO\nRe: Complaint response deadline\n\nVantage Print must answer every formal complaint within 14 business days of receiving it. Business days are Monday to Friday, excluding the public holidays listed here; the day the complaint is received does not count. Public holidays this year: Founders' Day (Friday 18 December 2026); Remembrance Day (Monday 28 December 2026); Civic Day (Tuesday 12 January 2027); Midsummer Holiday (Wednesday 13 January 2027); Heritage Day (Wednesday 17 February 2027).\n\nA complaint was received on Sunday 27 December 2026.", "questions": {"due": {"type": "choice", "instructions": "Compute the due date.", "criteria": {"a": "19 January 2027", "b": "10 January 2027", "c": "14 January 2027", "d": "18 January 2027", "e": "20 January 2027"}, "src": "hard_temporal_numeric", "label": "a"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00069", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00069", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "deadline", "facts": {"kind": "deadline", "received": "2026-12-27", "n": 14, "holidays": ["2026-12-18", "2026-12-28", "2027-01-12", "2027-01-13", "2027-02-17"], "options_q": {"due": {"a": "2027-01-19", "b": "2027-01-10", "c": "2027-01-14", "d": "2027-01-18", "e": "2027-01-20"}}}, "text_sha256": "66accd62e9e3c1d503ec18e0723815182fe7d623f445662bef1641aec321abb8", "state_tokens": 147}}
{"state": "DEVICE PROTECTION PLAN TERMS\nIssued by Circuit Care Services\nIn this policy, \"the Provider\" means Circuit Care Services and \"the Customer\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Accessories means cases, chargers, earbuds and styluses.\n(2) Accessories means cases, chargers and earbuds.\n(3) Assessed loss means the cost of repair or replacement agreed by the Provider, before any service fee, limit or sublimit is applied.\n(4) Authorised repairer means a repairer approved in writing by the Provider.\n(5) Battery replacement means replacement batteries and battery repairs.\n(6) Business day means Monday to Friday, excluding public holidays.\n(7) Manufacturer's warranty period means the first 24 months after the device was bought.\n(8) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(9) Replacement device means a device of the same or similar specification, which may be refurbished.\n(10) Schedule means the document issued with this policy that shows the Customer's details, the covers the Customer bought and any extensions.\n(11) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(12) Wearables means smartwatches and fitness trackers.\n\n§ 2  Limits and service fee\n(1) Accidental Damage: limit $1,200 per incident; service fee $49 per claim.\n(2) Breakdown: limit $1,500 per incident; service fee $49 per claim.\n(3) Theft and Loss: limit $800 per incident; service fee $149 per claim.\n(4) The service fee is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Optional cover: Theft and Loss\n(1) The Provider will replace the Customer's device if it is stolen or lost.\n(2) This section applies only if it is shown as purchased in the Customer's schedule.\n(3) The most the Provider will pay for Accessories under this section is $100 per incident.\n(4) The Provider will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Provider will not pay for theft that was not reported to the police.\n\n§ 4  Breakdown\n(1) The Provider will repair or replace the Customer's device if it stops working because of an electrical or mechanical fault.\n(2) No cover applies under this section to any incident that happens within the first 30 days after the policy start date.\n(3) The most the Provider will pay for Battery replacement under this section is $120 per incident.\n(4) The Provider will not pay for breakdowns during the manufacturer's warranty period.\n(5) The Provider will not pay for breakdown caused by liquid getting into the device.\n\n§ 5  Accidental Damage\n(1) The Provider will repair or replace the Customer's device if it is accidentally damaged.\n(2) The most the Provider will pay for Accessories under this section is $50 per incident.\n(3) The most the Provider will pay for Wearables under this section is $300 per incident.\n(4) The Provider will not pay for cosmetic damage, such as scratches or dents, that does not affect how the device works.\n(5) The Provider will not pay for damage following a repair by anyone other than the Provider or an authorised repairer. This exclusion does not apply if the Provider approved the repair in writing beforehand.\n\n§ 6  General exclusions\n(1) The Provider will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(2) The Provider will not pay for loss arising from a government order or sanction that prohibits the Provider from paying.\n(3) The Provider will not pay for any deliberate or criminal act by the Customer.\n(4) The Provider will not pay for loss caused by nuclear radiation or radioactive contamination.\n\n§ 7  Making a claim\n(1) The Customer must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Customer must notify the Provider of a claim within 90 days of the incident. The Provider will not pay any claim notified after that time.\n(3) The Provider may appoint a loss adjuster to investigate any claim.\n\n§ 8  Replacement devices\n(1) If the Provider cannot repair the Customer's device economically, the Provider will replace it with a replacement device.\n(2) Replacement devices may be a different colour and may be refurbished to an as-new standard.\n(3) Accessories are replaced only if they were lost or damaged in the same incident as the device.\n\n§ 9  Software support\n(1) The Provider's helpline can give advice on setting up and using the Customer's device.\n(2) Software support does not include fixing problems caused by third-party apps or unofficial operating systems.\n\n§ 10  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 11  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Provider may charge the premium without the discount from that date.\n\n§ 12  Duty of fair presentation\n(1) The Customer must answer all questions the Provider asks honestly and to the best of the Customer's knowledge.\n(2) If the Customer gives incorrect information deliberately or recklessly, the Provider may treat this policy as if it never existed and keep the premium.\n(3) If the Customer gives incorrect information carelessly, the Provider may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 13  Electronic documents\n(1) The Provider will send documents by email unless the Customer asks for paper copies.\n(2) The Customer must tell the Provider if the Customer's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 14  Environmental commitment\n(1) Where practical, the Provider will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Customer may ask for a new part instead, and the Provider will tell the Customer whether any additional cost would apply.\n\n§ 15  Premium payment\n(1) The Customer must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 21 days of its due date, the Provider may cancel the policy after giving notice.\n\n§ 16  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 17  Subrogation\n(1) The Provider will be entitled to take over and conduct in the Customer's name the defence or settlement of any claim.\n(2) The Provider can take action in the Customer's name to recover any payment the Provider makes from anyone responsible for the loss.\n\n§ 18  Notices\n(1) Any notice the Provider gives under this policy will be sent to the most recent postal or email address the Provider holds.\n(2) Notices from the Customer should be sent to the address shown in the schedule.\n\n§ 19  Cancellation\n(1) The Customer can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Customer can cancel at any time; the Provider will refund the premium for the unexpired period less an administration charge of $30.\n(3) The Provider can cancel this policy by giving the Customer 30 days' written notice to the last address the Provider holds.\n\n§ 20  Market conditions\n(1) If the replacement item is no longer available, the Provider will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 21  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 22  Instalment agreements\n(1) If the Customer pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 23  Interest\n(1) The Provider will not pay interest on any claim payment unless the law requires it.\n\n§ 24  Third-party administrators\n(1) The Provider may appoint another company to handle claims or other services on the Provider's behalf.\n(2) Any company the Provider appoints must follow the terms of this policy and applicable data protection law.\n\n§ 25  Payment of claims\n(1) The Provider will pay claims by bank transfer to an account in the Customer's name.\n(2) The Provider aims to pay accepted claims within 15 working days of receiving all the documents the Provider needs.\n\n§ 26  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 27  Waiver\n(1) If the Provider does not enforce any term of this policy, that does not mean the Provider has given up the right to enforce it later.\n\n§ 28  Records and evidence\n(1) The Customer should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Provider may base any settlement on the price of a comparable item.\n(3) The Provider may ask for evidence of how and when an item was acquired.\n\n§ 29  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 30  Claims documents\n(1) The Customer must provide, at the Customer's own expense, original receipts, invoices, reports and any other evidence the Provider reasonably ask for.\n(2) The Provider may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 31  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Provider will pay only the Provider's proportionate share.\n(2) The Customer must tell the Provider about any other insurance that covers the same loss when the Customer makes a claim.\n\n§ 32  Data and backups\n(1) The Provider is not responsible for recovering or restoring any data, software or settings stored on the Customer's device.\n(2) The Customer should back up the Customer's data regularly and before sending the device for repair.\n\n§ 33  Cooperation\n(1) The Customer must give the Provider all the help and information the Provider reasonably need to settle a claim.\n(2) The Customer must not admit liability or offer to settle any claim without the Provider's written permission.\n\n§ 34  Transferring the plan\n(1) The Customer may transfer the plan to a new owner of the device by telling the Provider in writing.\n(2) The remaining term of the plan transfers with the device; the term does not restart.\n\n§ 35  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 36  Automatic renewal\n(1) Unless the Customer tells the Provider otherwise, this policy will renew automatically at the end of the policy period using the payment details the Provider holds.\n(2) The Customer can switch off automatic renewal at any time by contacting the Provider's helpline.\n\n§ 37  Repair process\n(1) After a claim is accepted, the Provider will send a prepaid mailer or book a courier collection.\n(2) The Provider aims to return repaired devices within 15 business days of receiving them.\n\n§ 38  Data protection\n(1) The Provider will use the personal information the Customer provides to administer this policy and to handle claims.\n(2) The Provider will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Customer can ask for a copy of the personal information the Provider holds by writing to the Provider's data protection officer.\n\n§ 39  Assignment\n(1) The Customer cannot transfer the Customer's interest in this policy to anyone else without the Provider's written consent.\n\n§ 40  Sanctions\n(1) The Provider will not provide cover or pay any claim to the extent that doing so would expose the Provider to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 41  Arbitration\n(1) If the Provider accepts a claim but disagree with the Customer about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Provider.\n\n§ 42  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 43  Change of address\n(1) The Customer must tell the Provider within 30 days if the Customer changes the Customer's address.\n(2) The Provider may change the premium or the terms from the date of the move.\n\n§ 44  Compensation scheme\n(1) The Provider is covered by a financial services compensation scheme.\n(2) If the Provider cannot meet the Provider's obligations, the Customer may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 45  Inflation\n(1) The Provider may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Customer's renewal documents; limits do not change during a policy period.\n\n§ 46  Changes in circumstances\n(1) The Customer must tell the Provider as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Provider may then change the premium or the terms of this policy, or cancel it.\n\n§ 47  Customer support\n(1) The Provider's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Customer can leave a message and the Provider will call back on the next working day.\n\n§ 48  Communication\n(1) The Provider will communicate with the Customer in English.\n(2) The Provider may record telephone calls for training and quality purposes.\n\n§ 49  Recovery of costs\n(1) If the Provider pays a claim that is later found not to be covered, the Provider may ask the Customer to repay the amount.\n\n§ 50  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 51  Reasonable precautions\n(1) The Customer must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Customer must take reasonable steps to recover lost or stolen property.\n\n§ 52  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Provider will not pay the claim and all cover under this policy may be cancelled.\n(2) The Provider may share information with fraud prevention agencies and other insurers.\n\n§ 53  Salvage\n(1) When the Provider replaces an item, the damaged or recovered item becomes the Provider's property.\n(2) If stolen property is recovered after the Provider has paid a claim, the Customer must tell the Provider and either return the payment or give the Provider the property.\n\n§ 54  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Provider may adjust the premium from the date of the change.\n\n§ 55  Unrecoverable devices\n(1) If a device is found after the Provider has replaced it, the found device becomes the Provider's property and must be sent to the Provider.\n(2) The Provider may block devices reported as lost or stolen so that they cannot be used on mobile networks.\n\n§ 56  Complaints\n(1) If the Customer has a complaint, the Customer should first contact the Provider's customer relations team, quoting the policy number.\n(2) The Provider will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Customer remains dissatisfied, the Customer may be able to refer the complaint to an independent ombudsman service.\n\n§ 57  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 58  Exchange of information\n(1) To prevent fraud, the Provider may check the details the Customer gives against public records and industry databases.\n(2) The Provider may contact previous insurers to confirm the Customer's claims history.\n\n§ 59  Renewal\n(1) The Provider will write to the Customer at least 21 days before the end of the policy period with the renewal terms.\n(2) The Provider is not obliged to offer renewal.\n\n=== CLAIM ===\nClaim summary: Jae Ivanova; policy B986942; policy start 17 April 2025; schedule covers Accidental Damage, Breakdown; extensions none. Section claimed: Accidental Damage, for a laptop. Incident date 27 September 2025; notified 24 December 2025; assessed loss $953. Facts: The laptop had previously been opened by an independent repair shop. The provider had approved that repair in writing before it was carried out. Jae uses the device mainly for work. The device is registered in Jae's name. Jae bought the device from an authorised retailer.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_sublimit": "Pay up to the Accessories sublimit (§ 5(2))", "deny_late": "Decline: the claim was notified too late (§ 7(2))", "pay_less_fee": "Pay the assessed loss less the service fee", "deny_unauthorised_repair": "Decline under the unauthorised repairs exclusion (§ 5(5))", "deny_waiting": "Decline: the incident happened during the waiting period (§ 4(2))"}, "src": "hard_long_policy", "label": "pay_less_fee"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$1,200", "b": "$1", "c": "$1,151", "d": "$953", "e": "$904"}, "src": "hard_long_policy", "label": "e"}}, "_meta": {"id": "hard-v1/long_policy/development/00027", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00027", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "device", "target": "pay_less_fee", "category": "accidental_damage", "tempting": "unauthorised_repair", "facts": {"domain": "device", "fee_order": "before", "notice_days": 90, "categories": {"accidental_damage": {"limit": 1200, "fee": 49, "waiting": 0, "purchased": true}, "breakdown": {"limit": 1500, "fee": 49, "waiting": 30, "purchased": true}, "theft_loss": {"limit": 800, "fee": 149, "waiting": 0, "purchased": false}}, "classes": {"accessories": {"category": "accidental_damage", "cap": 50}, "wearables": {"category": "accidental_damage", "cap": 300}, "battery": {"category": "breakdown", "cap": 120}, "accessories_tl": {"category": "theft_loss", "cap": 100}}, "exclusions": [{"key": "cosmetic_damage", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unauthorised_repair", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "manufacturer_warranty", "categories": ["breakdown"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}, {"key": "liquid", "categories": ["breakdown"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unattended", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "no_police_report", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "accidental_damage", "item": "the laptop", "item_class": null, "loss_cents": 95300, "start": "2025-04-17", "incident": "2025-09-27", "reported": "2025-12-24", "conditions": {"unauthorised_repair": true}, "values": {}, "exceptions": {"unauthorised_repair": true}}, "options_q": {"outcome": {"pay_sublimit": "pay_sublimit", "deny_late": "deny_late", "pay_less_fee": "pay_less_fee", "deny_unauthorised_repair": "deny_unauthorised_repair", "deny_waiting": "deny_waiting"}, "amount": {"a": 120000, "b": 100, "c": 115100, "d": 95300, "e": 90400}}}, "text_sha256": "4d984b415f1f0cf96d407f4260bc2b47ba09a13ef21c51817554e0c7dc5aae54", "state_tokens": 4086}}
{"state": "REVIEW REQUEST\nItem: Rule: a discount applies if both the item is on clearance and the order total is over $100, or if it is the customer's birthday month. Facts: the item is on clearance; it is not true that the order total is over $100; it is the customer's birthday month. Does the discount apply?\nSubmitted result: I think No, the discount does not apply.", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}}, "_meta": {"id": "hard-v1/judge/development/00035", "source": "hard_judge", "group_id": "hard-v1/judge/development/00035", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "logic", "error": "logic", "facts": {"kind": "logic", "args": {"atoms": ["clearance", "over", "birthday"], "form": "or_and", "values": {"clearance": true, "over": false, "birthday": true}}, "proposed": false, "error": "logic"}, "text_sha256": "dc6a3e787d1f42af2d8681ac541e171038ce0b4f4e387cf747b3f3cb527e191b", "state_tokens": 89}}
{"state": "MEMO\nRe: Approval\n\nPurchases under $250 need no approval. Purchases from $250 up to $5,000 must be approved by a Manager or more senior; purchases above $5,000 must be approved by a Director or more senior. Seniority: Analyst, Engineer, Manager, Senior Manager, Director, Vice President, Chief Executive. Fiona Silva submitted a purchase of $1,141 for conference travel. The purchase was approved by Hana Vance.\n\nNadia Mensah, who leads the travel desk, is a Manager.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"approval_valid": "The purchase is properly approved", "approval_invalid": "The approval is not valid under the rule", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00017", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00016", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "approval", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": false, "facts": {"scenario": "approval", "insufficient_key": "not_enough_information", "params": {"amount": 1141, "no_approval_below": 250, "director_above": 5000, "title": null}, "deciding_present": false, "options_q": {"decision": {"approval_valid": "approval_valid", "approval_invalid": "approval_invalid", "not_enough_information": "not_enough_information"}}}, "text_sha256": "382d3009f19b4b619b4a7e789667a20ba9e02a6780a93fff7b2c7c2e73ef81ec", "state_tokens": 122}}
{"state": "REVIEW REQUEST\nItem: Convert 6 degrees Celsius to degrees Fahrenheit (F = C x 9/5 + 32). Give the answer to one decimal place.\nSubmitted result: Answer: 10.8 degrees Fahrenheit", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "10.8 degrees Fahrenheit", "b": "428.0 degrees Fahrenheit", "c": "42.8 degrees Fahrenheit", "d": "68.4 degrees Fahrenheit", "e": "35.3 degrees Fahrenheit"}, "src": "hard_judge", "label": "c"}}, "_meta": {"id": "hard-v1/judge/development/00013", "source": "hard_judge", "group_id": "hard-v1/judge/development/00013", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "convert", "error": "missing_offset", "facts": {"kind": "convert", "args": {"x": "6", "factor": "9/5", "offset": 32}, "dp": 1, "proposed": 108, "error": "missing_offset", "options_q": {"value": {"a": 108, "b": 4280, "c": 428, "d": 684, "e": 353}}}, "text_sha256": "cb455bc6cc236fbfa6720e2e986aac6bd4da0b807e1d4d22af2cfb6865a5bd6a", "state_tokens": 49}}
{"state": "MEMO\nRe: Shipping\n\nOrders ship free when the order total after all discounts is at least $150.00; otherwise the standard shipping fee applies. Ravi Silva's basket totals $191.52 before discounts. The coupon Ravi applied took $20.00 off.\n\nThe basket contains three items from the same warehouse. Ravi chose standard delivery.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"free_shipping": "Ship the order free", "standard_shipping": "Charge the standard shipping fee", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "free_shipping"}}, "_meta": {"id": "hard-v1/ambiguous/development/00042", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00042", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "shipping", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "shipping", "insufficient_key": "not_enough_information", "params": {"threshold_cents": 15000, "subtotal_cents": 19152, "discount_cents": 2000}, "deciding_present": true, "options_q": {"decision": {"free_shipping": "free_shipping", "standard_shipping": "standard_shipping", "not_enough_information": "not_enough_information"}}}, "text_sha256": "623b5124ce15ae18dc3cc79f3826ceca17f8ac8dc7910abb5ce68f10e5ac525a", "state_tokens": 82}}
{"state": "REVIEW REQUEST\nItem: An order has 6 notebooks at $38.84 each and 2 desk lamps at $169.09 each. A 15% discount applies to the whole order, and then 6% sales tax is added. What is the final total, to the nearest cent?\nSubmitted result: $568.44", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$568.44", "b": "$514.67", "c": "$519.81", "d": "$362.32", "e": "$485.54"}, "src": "hard_judge", "label": "b"}}, "_meta": {"id": "hard-v1/judge/development/00032", "source": "hard_judge", "group_id": "hard-v1/judge/development/00032", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "order", "error": "discount_first_line", "facts": {"kind": "order", "args": {"q1": 6, "p1": "971/25", "q2": 2, "p2": "16909/100", "d": "3/20", "tax": "3/50"}, "dp": 2, "proposed": 56844, "error": "discount_first_line", "options_q": {"value": {"a": 56844, "b": 51467, "c": 51981, "d": 36232, "e": 48554}}}, "text_sha256": "6bb74f3e319d53ecca19bd93202e204e651e0abbc5b2f528c0a6c6f918a221ac", "state_tokens": 79}}
{"state": "MEMO\nRe: Shipping\n\nOrders ship free when the order total after all discounts is at least $100.00; otherwise the standard shipping fee applies. Esme Varga's basket totals $116.26 before discounts. The coupon Esme applied took $30.00 off.\n\nThe basket contains three items from the same warehouse. Esme chose standard delivery.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"free_shipping": "Ship the order free", "standard_shipping": "Charge the standard shipping fee", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "standard_shipping"}}, "_meta": {"id": "hard-v1/ambiguous/development/00028", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00028", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "shipping", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "shipping", "insufficient_key": "not_enough_information", "params": {"threshold_cents": 10000, "subtotal_cents": 11626, "discount_cents": 3000}, "deciding_present": true, "options_q": {"decision": {"free_shipping": "free_shipping", "standard_shipping": "standard_shipping", "not_enough_information": "not_enough_information"}}}, "text_sha256": "d08f0a40d279f2da1238ad39f5d6f2e9cc52a559eaf8ac0774e5f22fc24e0b9f", "state_tokens": 83}}
{"state": "SPEC SHEET: a marketing agency for the spring campaign\nBrightside Creative | fee=$17,500 | lead time=5 weeks | portfolio rating=8/10 | support quality score=6/10 | vendor stability score=5/10 | ease of use score=8/10 | B2B campaign experience=yes | in-house video production=no\nNorthlight Studio | fee=$10,000 | lead time=3 weeks | portfolio rating=4/10 | support quality score=5/10 | vendor stability score=3/10 | ease of use score=3/10 | B2B campaign experience=no | in-house video production=yes\nPaper Kite | fee=$29,000 | lead time=2 weeks | portfolio rating=8/10 | support quality score=7/10 | vendor stability score=9/10 | ease of use score=3/10 | B2B campaign experience=yes | in-house video production=yes\nR1: it must offer in-house video production\nR2: its portfolio rating must be at least 8/10\nSelection: Each option has been scored from 1 to 10 on support quality, vendor stability and ease of use (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 70% support quality, 20% vendor stability, 10% ease of use.", "questions": {"choice": {"type": "choice", "instructions": "Which agency best satisfies the brief?", "criteria": {"northlight_studio": null, "brightside_creative": null, "paper_kite": null}, "src": "hard_tradeoff", "label": "paper_kite"}, "meets": {"type": "noul", "instructions": "Is Brightside Creative compliant with all the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00034", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00034", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "agency", "none_case": false, "facts": {"rule": "weighted", "options": {"Brightside Creative": {"cost": 17500, "lead": 5, "portfolio": 8, "b2b": true, "inhouse": false, "support quality": 6, "vendor stability": 5, "ease of use": 8}, "Northlight Studio": {"cost": 10000, "lead": 3, "portfolio": 4, "b2b": false, "inhouse": true, "support quality": 5, "vendor stability": 3, "ease of use": 3}, "Paper Kite": {"cost": 29000, "lead": 2, "portfolio": 8, "b2b": true, "inhouse": true, "support quality": 7, "vendor stability": 9, "ease of use": 3}}, "constraints": [{"attr": "inhouse", "op": "is", "value": true}, {"attr": "portfolio", "op": ">=", "value": 8}], "priority": [], "weights": {"support quality": 70, "vendor stability": 20, "ease of use": 10}, "years": null, "check": "Brightside Creative", "options_q": {"choice": {"northlight_studio": "northlight_studio", "brightside_creative": "brightside_creative", "paper_kite": "paper_kite"}}}, "text_sha256": "b9ee183b602914a20707f62f8ce83f89f426f94a249f263b53346b7e5368177e", "state_tokens": 310}}
{"state": "MEMO\nRe: Project funding decision\n\nThe planning team must fund exactly one of 4 projects and wants the highest expected net value (expected payoff minus up-front cost). Project Delta costs $20,000 up front and has a fifty percent chance of a gain of $460,000; a fifty percent chance of a gain of $300,000. Project Atlas costs $110,000 up front and has a ten percent chance of a gain of $840,000; a eighty-five percent chance of a gain of $600,000; a five percent chance of a gain of $450,000.\n\nProject Beacon costs $30,000 up front and has a sixty percent chance of a gain of $690,000; a forty percent chance of a gain of $370,000. Project Cedar costs $130,000 up front and has a twenty-five percent chance of a gain of $580,000; a seventy percent chance of a gain of $440,000; a five percent chance of a gain of $340,000.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which project has the highest expected net value?", "criteria": {"project_beacon": null, "project_atlas": null, "project_delta": null, "project_cedar": null}, "src": "hard_probability", "label": "project_beacon"}, "value": {"type": "choice", "instructions": "Per the figures given, What is the expected net value of Project Beacon?", "criteria": {"a": "$562,000", "b": "$660,000", "c": "$500,000", "d": "$502,000", "e": "$532,000"}, "src": "hard_probability", "label": "e"}}, "_meta": {"id": "hard-v1/probability/development/00011", "source": "hard_probability", "group_id": "hard-v1/probability/development/00011", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "ev", "facts": {"kind": "ev", "p": {}, "projects": {"Project Delta": {"outcomes": [["50/100", 460000], ["50/100", 300000]], "cost": 20000}, "Project Atlas": {"outcomes": [["10/100", 840000], ["85/100", 600000], ["5/100", 450000]], "cost": 110000}, "Project Beacon": {"outcomes": [["60/100", 690000], ["40/100", 370000]], "cost": 30000}, "Project Cedar": {"outcomes": [["25/100", 580000], ["70/100", 440000], ["5/100", 340000]], "cost": 130000}}, "asked": "Project Beacon", "options_q": {"choice": {"project_beacon": "project_beacon", "project_atlas": "project_atlas", "project_delta": "project_delta", "project_cedar": "project_cedar"}, "value": {"a": 562000, "b": 660000, "c": 500000, "d": 502000, "e": 532000}}}, "text_sha256": "1c576ab76e368f71e84b6d4ea0232a1e492c9632492281012aabf10899eb5202", "state_tokens": 266}}
{"state": "SINGLE-TRIP TRAVEL PROTECTION PLAN\nIssued by Northstar Underwriting\nIn this policy, \"the Insurer\" means Northstar Underwriting and \"the Insured Person\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(2) Dental treatment means treatment of the teeth or gums.\n(3) Excursions and tickets means pre-booked excursions, tours, and event or theatre tickets.\n(4) Hazardous activity means skydiving, motor racing, or trekking or climbing above 3,000 metres.\n(5) Physiotherapy means treatment of muscles and joints by a physiotherapist.\n(6) Pre-existing condition means any illness or injury for which the Insured Person received treatment or advice in the 6 months before the policy start date.\n(7) Premium means the amount the Insured Person must pay for this policy, including any taxes.\n(8) Territory means the countries in which cover applies, as shown in the schedule.\n\n§ 2  Limits and excess\n(1) Baggage and Personal Belongings: limit $3,000 per incident; excess $75 per claim.\n(2) Emergency Medical Expenses: limit $25,000 per incident; excess $250 per claim.\n(3) Trip Cancellation: limit $5,000 per incident; excess $50 per claim.\n(4) Travel Delay: limit $500 per incident; excess $25 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the excess is then deducted from the result.\n\n§ 3  Emergency Medical Expenses\n(1) The Insurer will pay reasonable and necessary emergency medical costs incurred during the trip.\n(2) The most the Insurer will pay for Dental treatment under this section is $250 per incident.\n(3) The most the Insurer will pay for Physiotherapy under this section is $500 per incident.\n(4) The Insurer will not pay for treatment of a pre-existing condition.\n(5) The Insurer will not pay for injury or illness arising from a hazardous activity. This exclusion does not apply if the Adventure Sports extension is shown in the Insured Person's schedule.\n(6) The Insurer will not pay for any claim arising from the Insured Person's being under the influence of alcohol or drugs.\n\n§ 4  Trip Cancellation\n(1) The Insurer will pay non-refundable travel and accommodation costs if the Insured Person must cancel the trip for a reason beyond the Insured Person's control.\n(2) No cover applies under this section to any incident that happens within the first 10 days after the policy start date.\n(3) The most the Insurer will pay for Excursions and tickets under this section is $200 per incident.\n(4) The Insurer will not pay for cancellation caused by a strike or other event that had been publicly announced before the Insured Person bought the policy.\n(5) The Insurer will not pay for cancellation because the Insured Person no longer wish to travel.\n\n§ 5  General exclusions\n(1) The Insurer will not pay for any deliberate or criminal act by the Insured Person.\n(2) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n(3) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n\n§ 6  Making a claim\n(1) The Insured Person must notify the Insurer of a claim within 90 days of the incident. The Insurer will not pay any claim notified after that time.\n(2) The Insurer may appoint a loss adjuster to investigate any claim.\n(3) The Insured Person must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 7  Personal liability\n(1) The Insurer will pay damages the Insured Person becomes legally liable to pay for accidental injury to another person or accidental damage to their property during the trip.\n(2) This section does not cover liability arising from the use of motor vehicles, boats or aircraft.\n(3) The most the Insurer will pay under this section is $2,000,000 for all claims arising from one event.\n\n§ 8  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 9  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Insured Person gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Insured Person's claims history.\n\n§ 10  Cancellation\n(1) The Insured Person can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Insured Person can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $25.\n(3) The Insurer can cancel this policy by giving the Insured Person 30 days' written notice to the last address the Insurer holds.\n\n§ 11  Communication\n(1) The Insurer will communicate with the Insured Person in English.\n(2) The Insurer may record telephone calls for training and quality purposes.\n\n§ 12  Data protection\n(1) The Insurer will use the personal information the Insured Person provides to administer this policy and to handle claims.\n(2) The Insurer will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Insured Person can ask for a copy of the personal information the Insurer holds by writing to the Insurer's data protection officer.\n\n§ 13  Duty of fair presentation\n(1) The Insured Person must answer all questions the Insurer asks honestly and to the best of the Insured Person's knowledge.\n(2) If the Insured Person gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Insured Person gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 14  Environmental commitment\n(1) Where practical, the Insurer will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Insured Person may ask for a new part instead, and the Insurer will tell the Insured Person whether any additional cost would apply.\n\n§ 15  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Insured Person should be sent to the address shown in the schedule.\n\n§ 16  Inflation\n(1) The Insurer may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Insured Person's renewal documents; limits do not change during a policy period.\n\n§ 17  Missed departure\n(1) The Insurer will pay reasonable additional travel and accommodation costs to reach the Insured Person's destination if the Insured Person arrives too late to board the Insured Person's booked transport because public transport fails.\n(2) The Insured Person must allow enough time to reach the departure point, and must obtain written confirmation of the delay from the transport operator.\n\n§ 18  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 19  Cooperation\n(1) The Insured Person must give the Insurer all the help and information the Insurer reasonably need to settle a claim.\n(2) The Insured Person must not admit liability or offer to settle any claim without the Insurer's written permission.\n\n§ 20  Renewal\n(1) The Insurer will write to the Insured Person at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 21  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Insured Person must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 22  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 23  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n=== CLAIM ===\nClaim summary: Tariq Abara; policy H655754; policy start 12 May 2026; schedule covers Baggage and Personal Belongings, Emergency Medical Expenses, Trip Cancellation, Travel Delay; extensions none. Section claimed: Trip Cancellation, for pre-booked concert and excursion tickets. Incident date 26 May 2026; notified 11 July 2026; assessed loss $376. Facts: Tariq cancelled after receiving a jury summons for the travel dates. Tariq paid for the trip with a credit card.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_late": "Decline: the claim was notified too late (§ 6(1))", "pay_less_fee": "Pay the assessed loss less the excess", "deny_waiting": "Decline: the incident happened during the waiting period (§ 4(2))", "deny_known_event": "Decline under the known events exclusion (§ 4(4))", "pay_sublimit": "Pay up to the Excursions and tickets sublimit (§ 4(3))"}, "src": "hard_long_policy", "label": "pay_sublimit"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$376", "b": "$4,950", "c": "$150", "d": "$200", "e": "$326"}, "src": "hard_long_policy", "label": "c"}}, "_meta": {"id": "hard-v1/long_policy/development/00001", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00001", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "travel", "target": "pay_sublimit", "category": "cancellation", "tempting": null, "facts": {"domain": "travel", "fee_order": "after", "notice_days": 90, "categories": {"baggage": {"limit": 3000, "fee": 75, "waiting": 0, "purchased": true}, "medical": {"limit": 25000, "fee": 250, "waiting": 0, "purchased": true}, "cancellation": {"limit": 5000, "fee": 50, "waiting": 10, "purchased": true}, "delay": {"limit": 500, "fee": 25, "waiting": 0, "purchased": true}}, "classes": {"valuables": {"category": "baggage", "cap": 400}, "sports": {"category": "baggage", "cap": 450}, "dental": {"category": "medical", "cap": 250}, "physio": {"category": "medical", "cap": 500}, "excursions": {"category": "cancellation", "cap": 200}}, "exclusions": [{"key": "unattended", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "confiscation", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pre_existing", "categories": ["medical"], "kind": "threshold", "thr": 6, "cmp": "le", "has_exception": false}, {"key": "hazardous", "categories": ["medical"], "kind": "threshold", "thr": 3000, "cmp": "gt", "has_exception": true}, {"key": "intoxication", "categories": ["medical"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "known_event", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "change_of_mind", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "short_delay", "categories": ["delay"], "kind": "threshold", "thr": 12, "cmp": "le", "has_exception": false}], "case": {"category": "cancellation", "item": "the tickets", "item_class": "excursions", "loss_cents": 37600, "start": "2026-05-12", "incident": "2026-05-26", "reported": "2026-07-11", "conditions": {}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"deny_late": "deny_late", "pay_less_fee": "pay_less_fee", "deny_waiting": "deny_waiting", "deny_known_event": "deny_known_event", "pay_sublimit": "pay_sublimit"}, "amount": {"a": 37600, "b": 495000, "c": 15000, "d": 20000, "e": 32600}}}, "text_sha256": "9790c51ff3d1624e21a4a02ccbe254a6066ea6ec7a2e0fa4b39920b89b9fd649", "state_tokens": 2181}}
{"state": "MEMO\nRe: Approval\n\nPurchases under $250 need no approval. Purchases from $250 up to $5,000 must be approved by a Manager or more senior; purchases above $5,000 must be approved by a Director or more senior. Seniority: Analyst, Engineer, Manager, Senior Manager, Director, Vice President, Chief Executive. Noah Okafor submitted a purchase of $55 for conference travel. The purchase was approved by Farah Nguyen.\n\nFarah Nguyen is a Manager. Ayla Abara, who leads the travel desk, is a Manager.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"approval_invalid": "The approval is not valid under the rule", "approval_valid": "The purchase is properly approved", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "approval_valid"}}, "_meta": {"id": "hard-v1/ambiguous/development/00000", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00000", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "approval", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "approval", "insufficient_key": "not_enough_information", "params": {"amount": 55, "no_approval_below": 250, "director_above": 5000, "title": "Manager"}, "deciding_present": true, "options_q": {"decision": {"approval_invalid": "approval_invalid", "approval_valid": "approval_valid", "not_enough_information": "not_enough_information"}}}, "text_sha256": "95a9a6eeafaa106879e04e23ad60e5b308174b45325c0d0ac44fecd5dbda1189", "state_tokens": 128}}
{"state": "MEMO\nRe: Reliability estimate\n\nAn order is confirmed if at least one of 2 redundant suppliers can fill it; each supplier's availability is independent of the others. Supplier A is able to fill an order sixty percent of the time. Supplier B is able to fill an order seventy percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that at least one supplier can fill the order?", "criteria": {"a": "88.0%", "b": "42.0%", "c": "60.0%", "d": "12.0%", "e": "58.0%"}, "src": "hard_probability", "label": "a"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that at least one supplier can fill the order?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 4}}, "_meta": {"id": "hard-v1/probability/development/00024", "source": "hard_probability", "group_id": "hard-v1/probability/development/00024", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "independent", "facts": {"kind": "independent", "p": {}, "ps": ["60/100", "70/100"], "ask": "any", "options_q": {"value": {"a": 880, "b": 420, "c": 600, "d": 120, "e": 580}}, "qid2": "bucket"}, "text_sha256": "4247bf515528a74669373657f056f0ab1c018775f79e49f1cb8b2a98a04b8ce4", "state_tokens": 64}}
{"state": "MEMO\nRe: Approval routing\n\nPurchase requests of this size must be approved by the requester's manager's manager (the skip-level manager). Kenji reports to Maya. Zainab reports to Fiona.\n\nFarah reports to Fiona. Fiona reports to Lena. Farah is a Director.\n\nLeila is a Senior Manager. Sana is an Engineer. Ayla is a Manager.\n\nLena is a Chief Executive. Maya is a Director. Zainab is a Director.\n\nFiona is a Vice President. Emeka is an Engineer. Kenji is a Manager.\n\nLeila reports to Zainab. Sana reports to Kenji. Maya reports to Farah.\n\nAyla reports to Leila. Emeka reports to Ayla. Emeka has submitted a purchase request for $41,250.", "questions": {"approver": {"type": "choice", "instructions": "Which person has to approve the request?", "criteria": {"leila": null, "ayla": null, "zainab": null, "lena": null, "fiona": null}, "src": "hard_multi_hop", "label": "leila"}}, "_meta": {"id": "hard-v1/multi_hop/development/00033", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00033", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "org", "rule": "skip", "hops": 5, "facts": {"kind": "org", "reports": {"Fiona": "Lena", "Farah": "Fiona", "Zainab": "Fiona", "Maya": "Farah", "Leila": "Zainab", "Kenji": "Maya", "Ayla": "Leila", "Sana": "Kenji", "Emeka": "Ayla"}, "titles": {"Lena": "Chief Executive", "Fiona": "Vice President", "Farah": "Director", "Zainab": "Director", "Maya": "Director", "Leila": "Senior Manager", "Kenji": "Manager", "Ayla": "Manager", "Sana": "Engineer", "Emeka": "Engineer"}, "requester": "Emeka", "rule": "skip", "min_title": "Director", "options_q": {"approver": {"leila": "leila", "ayla": "ayla", "zainab": "zainab", "lena": "lena", "fiona": "fiona"}}}, "text_sha256": "5aa8de63aba6365fb876501e1836afae476e703b29e45c9042319208560754d0", "state_tokens": 173}}
{"state": "REVIEW REQUEST\nItem: After a 25% discount, a jacket costs $141.75. What was the price before the discount, to the nearest cent?\nSubmitted result: Answer: $189.00", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$177.19", "b": "$106.31", "c": "$189.01", "d": "$166.75", "e": "$189.00"}, "src": "hard_judge", "label": "e"}}, "_meta": {"id": "hard-v1/judge/development/00025", "source": "hard_judge", "group_id": "hard-v1/judge/development/00025", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "reverse_pct", "error": null, "facts": {"kind": "reverse_pct", "args": {"after": "567/4", "p": "1/4"}, "dp": 2, "proposed": 18900, "error": null, "options_q": {"value": {"a": 17719, "b": 10631, "c": 18901, "d": 16675, "e": 18900}}}, "text_sha256": "62387c0123226538879d58c1568272676942e629ea3b2d90f21274043f1d6d55", "state_tokens": 51}}
{"state": "MEMO\nRe: Subscription cancellation\n\nA customer paid $1,200.00 for an annual plan running from 15 September 2025 up to (but not including) 15 September 2026. They cancelled on 28 January 2026. Refund rule: refund the annual price multiplied by the number of unused days and divided by the number of days in the plan year; the cancellation day counts as used. Round to the nearest cent.", "questions": {"refund": {"type": "choice", "instructions": "Refund due:", "criteria": {"a": "$752.88", "b": "$750.82", "c": "$447.12", "d": "$800.00", "e": "$756.16"}, "src": "hard_temporal_numeric", "label": "a"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00045", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00045", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "prorata", "leap": false, "facts": {"kind": "prorata", "start": "2025-09-15", "end": "2026-09-15", "cancel": "2026-01-28", "price_cents": 120000, "options_q": {"refund": {"a": 75288, "b": 75082, "c": 44712, "d": 80000, "e": 75616}}}, "text_sha256": "daa2bf69b1c18c5550cbec5d803ea576bc75275a8589897354675f84e668f824", "state_tokens": 105}}
{"state": "MEMO\nRe: Outage: checkout-web\n\nOutages propagate along hard dependencies: if a service goes down, every service that depends on it, directly or through other hard dependencies, is affected. Soft dependencies do not propagate outages. auth-service depends on checkout-web (soft dependency: it degrades gracefully and keeps working if checkout-web is down). reporting-etl depends on notification-hub.\n\nsession-cache depends on geo-lookup. notification-hub depends on checkout-web. checkout-web depends on order-queue.\n\nledger-service depends on geo-lookup. user-profile depends on session-cache. cdn-edge depends on reporting-etl.\n\ncheckout-web is currently down.", "questions": {"affected": {"type": "choice", "instructions": "Which of these will the outage reach?", "criteria": {"ledger_service": null, "none_affected": "None of these services is affected", "auth_service": null, "order_queue": null, "cdn_edge": null}, "src": "hard_multi_hop", "label": "cdn_edge"}}, "_meta": {"id": "hard-v1/multi_hop/development/00069", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00069", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "deps", "hops": 3, "soft": true, "facts": {"kind": "deps", "edges": [["notification-hub", "checkout-web", false], ["reporting-etl", "notification-hub", false], ["cdn-edge", "reporting-etl", false], ["checkout-web", "order-queue", false], ["session-cache", "geo-lookup", false], ["ledger-service", "geo-lookup", false], ["auth-service", "checkout-web", true], ["user-profile", "session-cache", false]], "down": "checkout-web", "candidates": ["cdn-edge", "order-queue", "ledger-service", "auth-service"], "options_q": {"affected": {"ledger_service": "ledger_service", "none_affected": "none_affected", "auth_service": "auth_service", "order_queue": "order_queue", "cdn_edge": "cdn_edge"}}}, "text_sha256": "bf5f9951df8406b3f504e7ec95bdf4f5b5857e7b6311ba29dec7f95078fdaa3b", "state_tokens": 138}}
{"state": "MEMO\nRe: Reliability estimate\n\nAn order is confirmed if at least one of 3 redundant suppliers can fill it; each supplier's availability is independent of the others. Supplier A is able to fill an order ninety-five percent of the time. Supplier B is able to fill an order ninety-five percent of the time.\n\nSupplier C is able to fill an order eighty percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that at least one supplier can fill the order?", "criteria": {"a": "100.0%", "b": "0.1%", "c": "80.0%", "d": "27.8%", "e": "72.2%"}, "src": "hard_probability", "label": "a"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that at least one supplier can fill the order?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 5}}, "_meta": {"id": "hard-v1/probability/development/00018", "source": "hard_probability", "group_id": "hard-v1/probability/development/00018", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "independent", "facts": {"kind": "independent", "p": {}, "ps": ["95/100", "95/100", "80/100"], "ask": "any", "options_q": {"value": {"a": 1000, "b": 1, "c": 800, "d": 278, "e": 722}}, "qid2": "bucket"}, "text_sha256": "6bd2e590d28b273918d78b4269ae13c8bb922bc9b68e53d4152e502e8f671c15", "state_tokens": 81}}
{"state": "HOUSEHOLD CONTENTS COVER: POLICY BOOKLET\nIssued by Oakfield Assurance\nIn this policy, \"the Insurer\" means Oakfield Assurance and \"the Policyholder\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Art and antiques means paintings, antiques, rugs and other works of art.\n(2) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(3) Bicycles means bicycles and electric scooters.\n(4) Business day means Monday to Friday, excluding public holidays.\n(5) Contents means household goods and personal possessions that belong to the Policyholder or the Policyholder's family.\n(6) Family means the Policyholder's spouse or partner and any children who live with the Policyholder.\n(7) Forcible entry means entry to the home that leaves visible damage to doors, windows or locks.\n(8) Garden items means garden furniture, plants and outdoor tools.\n(9) High-risk items means jewellery, watches, laptops, games consoles and cameras.\n(10) Home means the private residence at the address shown in the schedule.\n(11) Incident means a single event, or a series of events arising from one cause.\n(12) Limit means the most the Insurer will pay for all claims under a section arising from one incident.\n(13) Outbuilding means a shed, garage or greenhouse within the boundaries of the home.\n(14) Policy period means twelve months from the policy start date shown in the Policyholder's schedule.\n(15) Portable electronics means laptops, tablets and mobile phones.\n(16) Premium means the amount the Policyholder must pay for this policy, including any taxes.\n(17) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(18) Schedule means the document issued with this policy that shows the Policyholder's details, the covers the Policyholder bought and any extensions.\n(19) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(20) Unoccupied means not lived in by the Policyholder or a member of the Policyholder's family for more than 45 consecutive days.\n\n§ 2  Limits and excess\n(1) Theft: limit $20,000 per incident; excess $250 per claim.\n(2) Escape of Water: limit $30,000 per incident; excess $500 per claim.\n(3) Accidental Damage: limit $5,000 per incident; excess $50 per claim.\n(4) Flood: limit $20,000 per incident; excess $500 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Escape of Water\n(1) The Insurer will pay for contents damaged by water escaping from a fixed pipe, tank or domestic appliance.\n(2) The most the Insurer will pay for Art and antiques under this section is $1,000 per incident.\n(3) The Insurer will not pay for damage caused by water leaking gradually over a period of time.\n(4) The Insurer will not pay for damage caused by the failure of grout or sealant around baths and showers.\n\n§ 4  Optional cover: Accidental Damage\n(1) The Insurer will pay for sudden and unexpected accidental damage to the Policyholder's contents inside the home.\n(2) This section applies only if it is shown as purchased in the Policyholder's schedule.\n(3) The most the Insurer will pay for Portable electronics under this section is $500 per incident.\n(4) The Insurer will not pay for damage caused by pets.\n(5) The Insurer will not pay for wear and tear, or damage that happens gradually.\n\n§ 5  Theft\n(1) The Insurer will pay for contents stolen from the Policyholder's home.\n(2) The most the Insurer will pay for High-risk items under this section is $2,500 per incident.\n(3) The most the Insurer will pay for Bicycles under this section is $800 per incident.\n(4) The Insurer will not pay for theft while the home is unoccupied.\n(5) The Insurer will not pay for theft where there is no sign of forced entry to the home. This exclusion does not apply where the thief gained entry by deception, for example by posing as a utility worker.\n(6) The Insurer will not pay for theft from sheds, garages or other outbuildings. This exclusion does not apply if the outbuilding was locked and the theft involved forcible entry.\n\n§ 6  Flood\n(1) The Insurer will pay for contents damaged by flood water entering the Policyholder's home.\n(2) No cover applies under this section to any incident that happens within the first 60 days after the policy start date.\n(3) The most the Insurer will pay for Garden items under this section is $500 per incident.\n(4) The Insurer will not pay for flood damage where a flood warning for the Policyholder's area had been issued before the policy started.\n\n§ 7  General exclusions\n(1) The Insurer will not pay for any deliberate or criminal act by the Policyholder.\n(2) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(3) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n(4) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n(5) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(6) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n\n§ 8  Making a claim\n(1) The Policyholder must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Policyholder must notify the Insurer of a claim within 14 days of the incident. The Insurer will not pay any claim notified after that time.\n(3) The Insurer may appoint a loss adjuster to investigate any claim.\n\n§ 9  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 10  Premium payment\n(1) The Policyholder must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Insurer may cancel the policy after giving notice.\n\n§ 11  Contents temporarily removed\n(1) The Policyholder's contents are covered while temporarily removed from the home to another building in the same country, for up to 60 days.\n(2) Contents in a student hall of residence are covered only if the student is a member of the Policyholder's family.\n\n§ 12  Changes in circumstances\n(1) The Policyholder must tell the Insurer as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Insurer may then change the premium or the terms of this policy, or cancel it.\n\n§ 13  Electronic documents\n(1) The Insurer will send documents by email unless the Policyholder asks for paper copies.\n(2) The Policyholder must tell the Insurer if the Policyholder's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 14  Duty of fair presentation\n(1) The Policyholder must answer all questions the Insurer asks honestly and to the best of the Policyholder's knowledge.\n(2) If the Policyholder gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Policyholder gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 15  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 16  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 17  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Policyholder to repay the amount.\n\n§ 18  Claims documents\n(1) The Policyholder must provide, at the Policyholder's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 19  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 20  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 21  Cancellation\n(1) The Policyholder can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Policyholder can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $30.\n(3) The Insurer can cancel this policy by giving the Policyholder 30 days' written notice to the last address the Insurer holds.\n\n§ 22  Market conditions\n(1) If the replacement item is no longer available, the Insurer will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 23  Subrogation\n(1) The Insurer will be entitled to take over and conduct in the Policyholder's name the defence or settlement of any claim.\n(2) The Insurer can take action in the Policyholder's name to recover any payment the Insurer makes from anyone responsible for the loss.\n\n§ 24  Complaints\n(1) If the Policyholder has a complaint, the Policyholder should first contact the Insurer's customer relations team, quoting the policy number.\n(2) The Insurer will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Policyholder remains dissatisfied, the Policyholder may be able to refer the complaint to an independent ombudsman service.\n\n§ 25  Customer support\n(1) The Insurer's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Policyholder can leave a message and the Insurer will call back on the next working day.\n\n§ 26  Third-party administrators\n(1) The Insurer may appoint another company to handle claims or other services on the Insurer's behalf.\n(2) Any company the Insurer appoints must follow the terms of this policy and applicable data protection law.\n\n§ 27  Interest\n(1) The Insurer will not pay interest on any claim payment unless the law requires it.\n\n§ 28  Automatic renewal\n(1) Unless the Policyholder tells the Insurer otherwise, this policy will renew automatically at the end of the policy period using the payment details the Insurer holds.\n(2) The Policyholder can switch off automatic renewal at any time by contacting the Insurer's helpline.\n\n§ 29  Cooperation\n(1) The Policyholder must give the Insurer all the help and information the Insurer reasonably need to settle a claim.\n(2) The Policyholder must not admit liability or offer to settle any claim without the Insurer's written permission.\n\n§ 30  Data protection\n(1) The Insurer will use the personal information the Policyholder provides to administer this policy and to handle claims.\n(2) The Insurer will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Policyholder can ask for a copy of the personal information the Insurer holds by writing to the Insurer's data protection officer.\n\n§ 31  Records and evidence\n(1) The Policyholder should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 32  Freezer contents\n(1) The Insurer will pay for food in a domestic freezer that spoils because of a rise or fall in temperature.\n(2) The Insurer will not pay if the freezer is more than fifteen years old, or if the electricity supplier cut the supply deliberately.\n\n§ 33  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Insurer will pay only the Insurer's proportionate share.\n(2) The Policyholder must tell the Insurer about any other insurance that covers the same loss when the Policyholder makes a claim.\n\n§ 34  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 35  Compensation scheme\n(1) The Insurer is covered by a financial services compensation scheme.\n(2) If the Insurer cannot meet the Insurer's obligations, the Policyholder may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 36  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 37  Alternative accommodation\n(1) If the Policyholder's home cannot be lived in after damage covered by this policy, the Insurer will pay the reasonable cost of comparable temporary accommodation.\n(2) The Insurer will also pay for the temporary housing of pets that live with the Policyholder.\n(3) Cover ends when the home is fit to live in again or after twelve months, whichever is sooner.\n\n§ 38  Communication\n(1) The Insurer will communicate with the Policyholder in English.\n(2) The Insurer may record telephone calls for training and quality purposes.\n\n§ 39  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 40  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 41  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 42  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 43  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 44  Arbitration\n(1) If the Insurer accepts a claim but disagree with the Policyholder about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Insurer.\n\n§ 45  Renewal\n(1) The Insurer will write to the Policyholder at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 46  Environmental commitment\n(1) Where practical, the Insurer will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Policyholder may ask for a new part instead, and the Insurer will tell the Policyholder whether any additional cost would apply.\n\n§ 47  Payment of claims\n(1) The Insurer will pay claims by bank transfer to an account in the Policyholder's name.\n(2) The Insurer aims to pay accepted claims within 5 working days of receiving all the documents the Insurer needs.\n\n§ 48  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Policyholder gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Policyholder's claims history.\n\n§ 49  Garden and outdoor cover\n(1) The Insurer will pay for plants, trees and shrubs in the garden of the home that are damaged by fire, lightning or theft.\n(2) The Insurer will not pay for damage caused by frost, storms, drought or animals.\n\n§ 50  Locks and keys\n(1) If the keys to the Policyholder's home are lost or stolen, the Insurer will pay the cost of replacing the locks to the outside doors.\n(2) The most the Insurer will pay under this clause is $750 for any one claim.\n\n§ 51  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 52  Change of address\n(1) The Policyholder must tell the Insurer within 30 days if the Policyholder changes the Policyholder's address.\n(2) The Insurer may change the premium or the terms from the date of the move.\n\n§ 53  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Policyholder must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 54  Instalment agreements\n(1) If the Policyholder pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 55  Assignment\n(1) The Policyholder cannot transfer the Policyholder's interest in this policy to anyone else without the Insurer's written consent.\n\n§ 56  Inflation\n(1) The Insurer may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Policyholder's renewal documents; limits do not change during a policy period.\n\n=== CLAIM ===\nClaim summary: Hana Nakamura; policy K811741; policy start 11 October 2025; schedule covers Theft, Escape of Water, Flood; extensions none. Section claimed: Flood, for furniture and appliances on the ground floor. Incident date 26 October 2025; notified 5 November 2025; assessed loss $14,033.25. Facts: Heavy rain caused the nearby river to burst its banks and flood the street. No flood warning had been issued before the policy started. Hana has lived at the property for four years. The building is a converted warehouse with six flats.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_sublimit": "Pay up to the Garden items sublimit (§ 6(3))", "deny_flood_warning": "Decline under the flood warnings exclusion (§ 6(4))", "deny_waiting": "Decline: the incident happened during the waiting period (§ 6(2))", "pay_less_fee": "Pay the assessed loss less the excess", "pay_limit": "Pay up to the Flood limit"}, "src": "hard_long_policy", "label": "deny_waiting"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$14,033.25", "b": "$0", "c": "$19,500", "d": "$13,533.25", "e": "$20,000"}, "src": "hard_long_policy", "label": "b"}}, "_meta": {"id": "hard-v1/long_policy/development/00056", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00056", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "home", "target": "deny_waiting", "category": "flood", "tempting": null, "facts": {"domain": "home", "fee_order": "before", "notice_days": 14, "categories": {"theft": {"limit": 20000, "fee": 250, "waiting": 0, "purchased": true}, "water": {"limit": 30000, "fee": 500, "waiting": 0, "purchased": true}, "accidental": {"limit": 5000, "fee": 50, "waiting": 0, "purchased": false}, "flood": {"limit": 20000, "fee": 500, "waiting": 60, "purchased": true}}, "classes": {"high_risk": {"category": "theft", "cap": 2500}, "bicycles": {"category": "theft", "cap": 800}, "art": {"category": "water", "cap": 1000}, "portable": {"category": "accidental", "cap": 500}, "garden": {"category": "flood", "cap": 500}}, "exclusions": [{"key": "unoccupied", "categories": ["theft"], "kind": "threshold", "thr": 45, "cmp": "gt", "has_exception": false}, {"key": "no_forced_entry", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "outbuilding", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "gradual", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "sealant", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pets", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear_home", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "flood_warning", "categories": ["flood"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "flood", "item": "the furniture and appliances", "item_class": null, "loss_cents": 1403325, "start": "2025-10-11", "incident": "2025-10-26", "reported": "2025-11-05", "conditions": {"flood_warning": false}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"pay_sublimit": "pay_sublimit", "deny_flood_warning": "deny_flood_warning", "deny_waiting": "deny_waiting", "pay_less_fee": "pay_less_fee", "pay_limit": "pay_limit"}, "amount": {"a": 1403325, "b": 0, "c": 1950000, "d": 1353325, "e": 2000000}}}, "text_sha256": "806bbbcac68ff27748aa0a1ccf14c48438f6ac9442957bfff3ea126d6126d85f", "state_tokens": 4476}}
{"state": "MEMO\nRe: Warranty\n\nThe warranty covers manufacturing defects for 36 months from the purchase date. Accidental damage is never covered. Elin Whitfield bought a coffee machine on February 26, 2027. Elin made a warranty claim on January 3, 2028.\n\nThe technician's report on the cause has not come back yet. Elin registered the machine online.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"repair_under_warranty": "Repair under warranty", "not_covered": "Not covered by the warranty", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00081", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00080", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "warranty", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": true, "facts": {"scenario": "warranty", "insufficient_key": "not_enough_information", "params": {"months": 36, "purchase": "2027-02-26", "claim": "2028-01-03", "cause": null}, "deciding_present": false, "options_q": {"decision": {"repair_under_warranty": "repair_under_warranty", "not_covered": "not_covered", "not_enough_information": "not_enough_information"}}}, "text_sha256": "8e53ee515e05b155b302262029f03077e089964a950bd5bfa3377d4fc54fe6b7", "state_tokens": 87}}
{"state": "TRAVEL INSURANCE POLICY WORDING\nIssued by Compass Mutual\nIn this policy, \"the Insurer\" means Compass Mutual and \"the Insured Person\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(2) Business day means Monday to Friday, excluding public holidays.\n(3) Dental treatment means treatment of the teeth or gums.\n(4) Excursions and tickets means pre-booked excursions, tours, and event or theatre tickets.\n(5) Family means the Insured Person's spouse or partner and any children who live with the Insured Person.\n(6) Hazardous activity means skydiving, motor racing, or trekking or climbing above 4,000 metres.\n(7) Incident means a single event, or a series of events arising from one cause.\n(8) Limit means the most the Insurer will pay for all claims under a section arising from one incident.\n(9) Physiotherapy means treatment of muscles and joints by a physiotherapist.\n(10) Pre-existing condition means any illness or injury for which the Insured Person received treatment or advice in the 3 months before the policy start date.\n(11) Premium means the amount the Insured Person must pay for this policy, including any taxes.\n(12) Public transport means any scheduled train, bus, coach, ferry or aircraft.\n(13) Qualifying delay means a delay to the scheduled departure of more than 8 hours.\n(14) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(15) Schedule means the document issued with this policy that shows the Insured Person's details, the covers the Insured Person bought and any extensions.\n(16) Sports equipment means skis, snowboards, golf clubs, surfboards and bicycles.\n(17) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(18) Territory means the countries in which cover applies, as shown in the schedule.\n(19) Travelling companion means a person who has booked to travel with the Insured Person on the same trip.\n(20) Trip means a journey that starts and ends in the Insured Person's home country during the policy period.\n(21) Valuables means laptops, tablets, mobile phones, cameras, watches and jewellery.\n\n§ 2  Limits and excess\n(1) Baggage and Personal Belongings: limit $3,000 per incident; excess $75 per claim.\n(2) Emergency Medical Expenses: limit $50,000 per incident; excess $250 per claim.\n(3) Trip Cancellation: limit $5,000 per incident; excess $100 per claim.\n(4) Travel Delay: limit $500 per incident; excess $25 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the excess is then deducted from the result.\n\n§ 3  Baggage and Personal Belongings\n(1) The Insurer will pay for the loss of, theft of, or damage to the Insured Person's baggage and personal belongings during the trip.\n(2) The most the Insurer will pay for Valuables under this section is $250 per incident.\n(3) The most the Insurer will pay for Sports equipment under this section is $450 per incident.\n(4) The Insurer will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Insurer will not pay for loss caused by confiscation or detention by customs or other officials.\n(6) The Insurer will not pay for damage caused by wear and tear or gradual deterioration.\n\n§ 4  Records and evidence\n(1) The Insured Person should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 5  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Insured Person to repay the amount.\n\n§ 6  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 7  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 8  Emergency assistance\n(1) The Insurer's emergency assistance service is available 24 hours a day on the number shown in the schedule.\n(2) The Insured Person must contact the assistance service before being admitted to hospital as an in-patient, unless it is an emergency.\n(3) The assistance service can arrange payment guarantees, interpreters and transport home.\n\n§ 9  Emergency Medical Expenses\n(1) The Insurer will pay reasonable and necessary emergency medical costs incurred during the trip.\n(2) The most the Insurer will pay for Dental treatment under this section is $400 per incident.\n(3) The most the Insurer will pay for Physiotherapy under this section is $500 per incident.\n(4) The Insurer will not pay for treatment of a pre-existing condition.\n(5) The Insurer will not pay for injury or illness arising from a hazardous activity. This exclusion does not apply if the Adventure Sports extension is shown in the Insured Person's schedule.\n(6) The Insurer will not pay for any claim arising from the Insured Person's being under the influence of alcohol or drugs.\n\n§ 10  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 11  Interest\n(1) The Insurer will not pay interest on any claim payment unless the law requires it.\n\n§ 12  Change of address\n(1) The Insured Person must tell the Insurer within 30 days if the Insured Person changes the Insured Person's address.\n(2) The Insurer may change the premium or the terms from the date of the move.\n\n§ 13  Duty of fair presentation\n(1) The Insured Person must answer all questions the Insurer asks honestly and to the best of the Insured Person's knowledge.\n(2) If the Insured Person gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Insured Person gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 14  Repatriation\n(1) If the Insurer's medical adviser agrees it is necessary, the Insurer will arrange and pay for the Insured Person to be brought home.\n(2) The Insurer will decide the method of transport and the time of repatriation after speaking to the treating doctor.\n\n§ 15  Trip Cancellation\n(1) The Insurer will pay non-refundable travel and accommodation costs if the Insured Person must cancel the trip for a reason beyond the Insured Person's control.\n(2) No cover applies under this section to any incident that happens within the first 10 days after the policy start date.\n(3) The most the Insurer will pay for Excursions and tickets under this section is $200 per incident.\n(4) The Insurer will not pay for cancellation caused by a strike or other event that had been publicly announced before the Insured Person bought the policy.\n(5) The Insurer will not pay for cancellation because the Insured Person no longer wish to travel.\n\n§ 16  Market conditions\n(1) If the replacement item is no longer available, the Insurer will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 17  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 18  Personal liability\n(1) The Insurer will pay damages the Insured Person becomes legally liable to pay for accidental injury to another person or accidental damage to their property during the trip.\n(2) This section does not cover liability arising from the use of motor vehicles, boats or aircraft.\n(3) The most the Insurer will pay under this section is $1,000,000 for all claims arising from one event.\n\n§ 19  Optional cover: Travel Delay\n(1) The Insurer will pay reasonable costs of meals and accommodation if the Insured Person's outbound departure is delayed.\n(2) This section applies only if it is shown as purchased in the Insured Person's schedule.\n(3) The Insurer will not pay for any delay that is not a qualifying delay.\n\n§ 20  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 21  General exclusions\n(1) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(2) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(3) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n(4) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n\n§ 22  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Insured Person must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 23  Making a claim\n(1) The Insured Person must notify the Insurer of a claim within 14 days of the incident. The Insurer will not pay any claim notified after that time.\n(2) The Insured Person must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Insurer may appoint a loss adjuster to investigate any claim.\n\n§ 24  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n=== CLAIM ===\nClaim summary: Colm Lindqvist; policy T267575; policy start 9 December 2025; schedule covers Baggage and Personal Belongings, Emergency Medical Expenses, Trip Cancellation; extensions none. Section claimed: Emergency Medical Expenses, for emergency treatment for a cracked molar. Incident date 3 January 2026; notified 16 January 2026; assessed loss $289. Facts: The hospital report notes that Colm had not been drinking. Colm fell ill suddenly on the third day of the trip. The trip was booked through an online travel agent.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_late": "Decline: the claim was notified too late (§ 23(1))", "pay_less_fee": "Pay the assessed loss less the excess", "deny_hazardous": "Decline under the hazardous activities exclusion (§ 9(5))", "pay_sublimit": "Pay up to the Dental treatment sublimit (§ 9(2))", "not_covered": "Decline: Emergency Medical Expenses is not a cover shown in the schedule"}, "src": "hard_long_policy", "label": "pay_less_fee"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$39", "b": "$289", "c": "$150", "d": "$400", "e": "$49,750"}, "src": "hard_long_policy", "label": "a"}}, "_meta": {"id": "hard-v1/long_policy/development/00092", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00092", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "travel", "target": "pay_less_fee", "category": "medical", "tempting": null, "facts": {"domain": "travel", "fee_order": "after", "notice_days": 14, "categories": {"baggage": {"limit": 3000, "fee": 75, "waiting": 0, "purchased": true}, "medical": {"limit": 50000, "fee": 250, "waiting": 0, "purchased": true}, "cancellation": {"limit": 5000, "fee": 100, "waiting": 10, "purchased": true}, "delay": {"limit": 500, "fee": 25, "waiting": 0, "purchased": false}}, "classes": {"valuables": {"category": "baggage", "cap": 250}, "sports": {"category": "baggage", "cap": 450}, "dental": {"category": "medical", "cap": 400}, "physio": {"category": "medical", "cap": 500}, "excursions": {"category": "cancellation", "cap": 200}}, "exclusions": [{"key": "unattended", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "confiscation", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pre_existing", "categories": ["medical"], "kind": "threshold", "thr": 3, "cmp": "le", "has_exception": false}, {"key": "hazardous", "categories": ["medical"], "kind": "threshold", "thr": 4000, "cmp": "gt", "has_exception": true}, {"key": "intoxication", "categories": ["medical"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "known_event", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "change_of_mind", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "short_delay", "categories": ["delay"], "kind": "threshold", "thr": 8, "cmp": "le", "has_exception": false}], "case": {"category": "medical", "item": "the molar treatment", "item_class": "dental", "loss_cents": 28900, "start": "2025-12-09", "incident": "2026-01-03", "reported": "2026-01-16", "conditions": {"intoxication": false}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"deny_late": "deny_late", "pay_less_fee": "pay_less_fee", "deny_hazardous": "deny_hazardous", "pay_sublimit": "pay_sublimit", "not_covered": "not_covered"}, "amount": {"a": 3900, "b": 28900, "c": 15000, "d": 40000, "e": 4975000}}}, "text_sha256": "4da05ecbe8d6bdc39146197ac6bacdfc199561fb90bf464bb91bc8d4f265f754", "state_tokens": 2585}}
{"state": "MEMO\nRe: Reliability estimate\n\nA checkout succeeds only if all 4 independent steps succeed: the tax service, the payment gateway, the fraud check, the courier booking. The tax service succeeds eighty percent of the time. The payment gateway succeeds seventy percent of the time.\n\nThe fraud check succeeds ninety-five percent of the time. The courier booking succeeds seventy percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that a checkout succeeds?", "criteria": {"a": "70.0%", "b": "0.1%", "c": "62.8%", "d": "99.9%", "e": "37.2%"}, "src": "hard_probability", "label": "e"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that a checkout succeeds?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 2}}, "_meta": {"id": "hard-v1/probability/development/00041", "source": "hard_probability", "group_id": "hard-v1/probability/development/00041", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "independent", "facts": {"kind": "independent", "p": {}, "ps": ["80/100", "70/100", "95/100", "70/100"], "ask": "all", "options_q": {"value": {"a": 700, "b": 1, "c": 628, "d": 999, "e": 372}}, "qid2": "bucket"}, "text_sha256": "13ae38a4efe686b3b8b87f6947b1aa7a853e2994768d7672b2565cf8238e4556", "state_tokens": 79}}
{"state": "GROUP HEALTH CASH PLAN\nIssued by Wellspring Benefits Administration\nIn this policy, \"the Plan\" means Wellspring Benefits Administration and \"the Member\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Plan, before any deductible, limit or sublimit is applied.\n(2) Business day means Monday to Friday, excluding public holidays.\n(3) Dependant means the Member's spouse or partner, or a child under 21 who is enrolled in the plan.\n(4) Frames means spectacle frames bought without new lenses.\n(5) Hearing accessories means batteries, chargers and cleaning kits.\n(6) Hearing aid replacement period means 36 months from the purchase of hearing aids funded by the plan.\n(7) Incident means a single event, or a series of events arising from one cause.\n(8) Limit means the most the Plan will pay for all claims under a section arising from one treatment.\n(9) Major restorative work means crowns, bridges, root canal treatment and implants.\n(10) Massage therapy means sports massage, massage therapy and reflexology.\n(11) Orthodontics means braces and clear aligners.\n(12) Plan year means the twelve months starting on the Member's coverage start date.\n(13) Policy period means twelve months from the policy start date shown in the Member's schedule.\n(14) Premium means the amount the Member must pay for this policy, including any taxes.\n(15) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(16) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(17) Registered practitioner means a practitioner registered with the professional body for their discipline.\n(18) Replacement period means 12 months from the date of the Member's last eyewear claim.\n(19) Schedule means the document issued with this policy that shows the Member's details, the covers the Member bought and any extensions.\n(20) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n\n§ 2  Limits and deductible\n(1) Dental Care: limit $1,500 per treatment; deductible $50 per claim.\n(2) Vision Care: limit $500 per treatment; deductible $40 per claim.\n(3) Therapy Services: limit $2,000 per treatment; deductible $50 per claim.\n(4) Hearing Care: limit $1,000 per treatment; deductible $150 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the deductible is then deducted from the result.\n\n§ 3  Appeals\n(1) If the Plan declines all or part of a claim, the Member may appeal in writing within 60 days of the decision.\n(2) An appeal will be reviewed by someone who was not involved in the original decision.\n(3) The Plan will give the Member a written decision on the appeal within 30 days.\n\n§ 4  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 5  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 6  Exchange of information\n(1) To prevent fraud, the Plan may check the details the Member gives against public records and industry databases.\n(2) The Plan may contact previous insurers to confirm the Member's claims history.\n\n§ 7  Data protection\n(1) The Plan will use the personal information the Member provides to administer this policy and to handle claims.\n(2) The Plan will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Member can ask for a copy of the personal information the Plan holds by writing to the Plan's data protection officer.\n\n§ 8  Complaints\n(1) If the Member has a complaint, the Member should first contact the Plan's customer relations team, quoting the policy number.\n(2) The Plan will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Member remains dissatisfied, the Member may be able to refer the complaint to an independent ombudsman service.\n\n§ 9  Dental Care\n(1) The Plan will reimburse the cost of dental treatment provided by a licensed dentist.\n(2) No cover applies under this section to any treatment that happens within the first 90 days after the policy start date.\n(3) The most the Plan will pay for Major restorative work under this section is $500 per treatment.\n(4) The most the Plan will pay for Orthodontics under this section is $600 per treatment.\n(5) The Plan will not pay for treatment that is mainly cosmetic, such as whitening or veneers. This exclusion does not apply to treatment needed to repair damage caused by an accident.\n(6) The Plan will not pay for treatment by a provider outside the plan's network. This exclusion does not apply to emergency treatment for sudden severe pain.\n\n§ 10  Claims documents\n(1) The Member must provide, at the Member's own expense, original receipts, invoices, reports and any other evidence the Plan reasonably ask for.\n(2) The Plan may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 11  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 12  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 13  Wellness allowance\n(1) Each plan year the Member may claim up to $250 towards a gym membership or fitness class.\n(2) The wellness allowance is not subject to any deductible and does not count towards other limits.\n\n§ 14  Interest\n(1) The Plan will not pay interest on any claim payment unless the law requires it.\n\n§ 15  Optional cover: Hearing Care\n(1) The Plan will reimburse hearing tests and hearing aids.\n(2) This section applies only if it is shown as purchased in the Member's schedule.\n(3) The most the Plan will pay for Hearing accessories under this section is $150 per treatment.\n(4) The Plan will not pay for replacement hearing aids bought within the hearing aid replacement period.\n\n§ 16  Eligibility\n(1) Employees who work at least 20 hours a week are eligible to join the plan from their first day of employment.\n(2) Contractors, agency workers and employees on unpaid leave of more than three months are not eligible.\n\n§ 17  Communication\n(1) The Plan will communicate with the Member in English.\n(2) The Plan may record telephone calls for training and quality purposes.\n\n§ 18  Payment of claims\n(1) The Plan will pay claims by bank transfer to an account in the Member's name.\n(2) The Plan aims to pay accepted claims within 15 working days of receiving all the documents the Plan needs.\n\n§ 19  Vision Care\n(1) The Plan will reimburse eye tests and prescription eyewear.\n(2) The most the Plan will pay for Frames under this section is $150 per treatment.\n(3) The Plan will not pay for eyewear without prescription lenses.\n(4) The Plan will not pay for a further eyewear claim within the replacement period.\n\n§ 20  Arbitration\n(1) If the Plan accepts a claim but disagree with the Member about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Plan.\n\n§ 21  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 22  Automatic renewal\n(1) Unless the Member tells the Plan otherwise, this policy will renew automatically at the end of the policy period using the payment details the Plan holds.\n(2) The Member can switch off automatic renewal at any time by contacting the Plan's helpline.\n\n§ 23  Instalment agreements\n(1) If the Member pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 24  Recovery of costs\n(1) If the Plan pays a claim that is later found not to be covered, the Plan may ask the Member to repay the amount.\n\n§ 25  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 26  Coordination of benefits\n(1) If a treatment is also covered by another plan, the Plan will pay only the part of the cost that the other plan does not pay.\n(2) The Member must tell the Plan about any other plan that covers the Member or the Member's dependants.\n\n§ 27  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Plan will not pay the claim and all cover under this policy may be cancelled.\n(2) The Plan may share information with fraud prevention agencies and other insurers.\n\n§ 28  Therapy Services\n(1) The Plan will reimburse physiotherapy, osteopathy and counselling provided by a registered practitioner.\n(2) The most the Plan will pay for Massage therapy under this section is $200 per treatment.\n(3) The Plan will not pay for treatment of an injury covered by workers' compensation.\n(4) The Plan will not pay for treatment by a practitioner who is not registered with the relevant professional body.\n\n§ 29  Subrogation\n(1) The Plan will be entitled to take over and conduct in the Member's name the defence or settlement of any claim.\n(2) The Plan can take action in the Member's name to recover any payment the Plan makes from anyone responsible for the loss.\n\n§ 30  Customer support\n(1) The Plan's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Member can leave a message and the Plan will call back on the next working day.\n\n§ 31  Waiver\n(1) If the Plan does not enforce any term of this policy, that does not mean the Plan has given up the right to enforce it later.\n\n§ 32  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 33  Environmental commitment\n(1) Where practical, the Plan will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Member may ask for a new part instead, and the Plan will tell the Member whether any additional cost would apply.\n\n§ 34  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Plan will pay only the Plan's proportionate share.\n(2) The Member must tell the Plan about any other insurance that covers the same loss when the Member makes a claim.\n\n§ 35  General exclusions\n(1) The Plan will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(2) The Plan will not pay for any deliberate or criminal act by the Member.\n(3) The Plan will not pay for loss or damage caused by war, invasion, or civil war.\n\n§ 36  Change of address\n(1) The Member must tell the Plan within 30 days if the Member changes the Member's address.\n(2) The Plan may change the premium or the terms from the date of the move.\n\n§ 37  Sanctions\n(1) The Plan will not provide cover or pay any claim to the extent that doing so would expose the Plan to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 38  Inflation\n(1) The Plan may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Member's renewal documents; limits do not change during a policy period.\n\n§ 39  Premium payment\n(1) The Member must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Plan may cancel the policy after giving notice.\n\n§ 40  Market conditions\n(1) If the replacement item is no longer available, the Plan will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 41  Third-party administrators\n(1) The Plan may appoint another company to handle claims or other services on the Plan's behalf.\n(2) Any company the Plan appoints must follow the terms of this policy and applicable data protection law.\n\n§ 42  Cooperation\n(1) The Member must give the Plan all the help and information the Plan reasonably need to settle a claim.\n(2) The Member must not admit liability or offer to settle any claim without the Plan's written permission.\n\n§ 43  Assignment\n(1) The Member cannot transfer the Member's interest in this policy to anyone else without the Plan's written consent.\n\n§ 44  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Plan may charge the premium without the discount from that date.\n\n§ 45  Notices\n(1) Any notice the Plan gives under this policy will be sent to the most recent postal or email address the Plan holds.\n(2) Notices from the Member should be sent to the address shown in the schedule.\n\n§ 46  Renewal\n(1) The Plan will write to the Member at least 21 days before the end of the policy period with the renewal terms.\n(2) The Plan is not obliged to offer renewal.\n\n§ 47  Duty of fair presentation\n(1) The Member must answer all questions the Plan asks honestly and to the best of the Member's knowledge.\n(2) If the Member gives incorrect information deliberately or recklessly, the Plan may treat this policy as if it never existed and keep the premium.\n(3) If the Member gives incorrect information carelessly, the Plan may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 48  Leaving the plan\n(1) Cover ends on the day the Member's employment ends or the day the Member stops being eligible, whichever is earlier.\n(2) Claims for treatment received before cover ended may be submitted up to 90 days afterwards.\n\n§ 49  Electronic documents\n(1) The Plan will send documents by email unless the Member asks for paper copies.\n(2) The Member must tell the Plan if the Member's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 50  Making a claim\n(1) The Plan may appoint a loss adjuster to investigate any claim.\n(2) The Member must notify the Plan of a claim within 60 days of the treatment. The Plan will not pay any claim notified after that time.\n(3) The Member must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 51  Reasonable precautions\n(1) The Member must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Member must take reasonable steps to recover lost or stolen property.\n\n§ 52  Changes in circumstances\n(1) The Member must tell the Plan as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Plan may then change the premium or the terms of this policy, or cancel it.\n\n§ 53  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 54  Dependants\n(1) The Member may enrol dependants at the start of each plan year or within 30 days of a qualifying life event.\n(2) Benefits paid for dependants count towards the same annual limits as the Member's own claims.\n\n§ 55  Cancellation\n(1) The Member can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Member can cancel at any time; the Plan will refund the premium for the unexpired period less an administration charge of $30.\n(3) The Plan can cancel this policy by giving the Member 30 days' written notice to the last address the Plan holds.\n\n§ 56  Salvage\n(1) When the Plan replaces an item, the damaged or recovered item becomes the Plan's property.\n(2) If stolen property is recovered after the Plan has paid a claim, the Member must tell the Plan and either return the payment or give the Plan the property.\n\n§ 57  Compensation scheme\n(1) The Plan is covered by a financial services compensation scheme.\n(2) If the Plan cannot meet the Plan's obligations, the Member may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 58  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 59  Records and evidence\n(1) The Member should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Plan may base any settlement on the price of a comparable item.\n(3) The Plan may ask for evidence of how and when an item was acquired.\n\n§ 60  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Plan may adjust the premium from the date of the change.\n\n=== CLAIM ===\nClaim summary: Petra Eriksen; policy H756339; policy start 23 September 2025; schedule covers Dental Care, Vision Care, Therapy Services, Hearing Care; extensions none. Section claimed: Hearing Care, for a pair of hearing aids. Treatment date 20 June 2026; notified 18 August 2026; assessed loss $826. Facts: Petra's previous plan-funded hearing aids were bought 32 months before this claim. Petra joined the company's finance team two years ago. Petra submitted receipts through the benefits portal. The provider issued an itemised invoice.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_limit": "Pay up to the Hearing Care limit", "not_covered": "Decline: Hearing Care is not a cover shown in the schedule", "deny_replacement": "Decline under the early replacement exclusion (§ 15(4))", "deny_late": "Decline: the claim was notified too late (§ 50(2))", "pay_less_fee": "Pay the assessed loss less the deductible"}, "src": "hard_long_policy", "label": "deny_replacement"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$676", "b": "$826", "c": "$0", "d": "$1,000", "e": "$850"}, "src": "hard_long_policy", "label": "c"}}, "_meta": {"id": "hard-v1/long_policy/development/00022", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00022", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "benefits", "target": "deny_exclusion", "category": "hearing", "tempting": null, "facts": {"domain": "benefits", "fee_order": "after", "notice_days": 60, "categories": {"dental": {"limit": 1500, "fee": 50, "waiting": 90, "purchased": true}, "vision": {"limit": 500, "fee": 40, "waiting": 0, "purchased": true}, "therapy": {"limit": 2000, "fee": 50, "waiting": 0, "purchased": true}, "hearing": {"limit": 1000, "fee": 150, "waiting": 0, "purchased": true}}, "classes": {"major": {"category": "dental", "cap": 500}, "ortho": {"category": "dental", "cap": 600}, "frames": {"category": "vision", "cap": 150}, "massage": {"category": "therapy", "cap": 200}, "accessories": {"category": "hearing", "cap": 150}}, "exclusions": [{"key": "cosmetic", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "out_of_network", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "non_prescription", "categories": ["vision"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "frequency", "categories": ["vision"], "kind": "threshold", "thr": 12, "cmp": "lt", "has_exception": false}, {"key": "work_injury", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unregistered", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "replacement", "categories": ["hearing"], "kind": "threshold", "thr": 36, "cmp": "lt", "has_exception": false}], "case": {"category": "hearing", "item": "the hearing aids", "item_class": null, "loss_cents": 82600, "start": "2025-09-23", "incident": "2026-06-20", "reported": "2026-08-18", "conditions": {}, "values": {"replacement": 32}, "exceptions": {}}, "options_q": {"outcome": {"pay_limit": "pay_limit", "not_covered": "not_covered", "deny_replacement": "deny_replacement", "deny_late": "deny_late", "pay_less_fee": "pay_less_fee"}, "amount": {"a": 67600, "b": 82600, "c": 0, "d": 100000, "e": 85000}}}, "text_sha256": "380441c819dd0fe4b0f4c0d5f3e26c4c7882b345c14f1e3ef67d00e70f14bc33", "state_tokens": 4331}}
{"state": "MEMO\nRe: Approval routing\n\nPurchase requests of this size must be approved by the requester's manager's manager (the skip-level manager). Petra reports to Tomas. Omar reports to Noah.\n\nTess reports to Zainab. Zainab reports to Kenji. Luca reports to Ashok.\n\nTomas reports to Zainab. Bram is a Manager. Mira is a Manager.\n\nNoah is a Manager. Tomas is a Director. Luca is a Manager.\n\nKenji is a Chief Executive. Lotte is an Engineer. Tess is a Director.\n\nOwen is a Manager. Zainab is a Vice President. Kwame is a Senior Manager.\n\nAshok is a Director. Petra is a Senior Manager. Omar is a Manager.\n\nLotte reports to Bram. Kwame reports to Tomas. Ashok reports to Tess.\n\nBram reports to Kwame. Noah reports to Tess. Owen reports to Petra.\n\nMira reports to Noah. Owen has submitted a purchase request for $31,000.", "questions": {"approver": {"type": "choice", "instructions": "Which person has to approve the request?", "criteria": {"kenji": null, "petra": null, "tomas": null, "zainab": null, "omar": null}, "src": "hard_multi_hop", "label": "tomas"}}, "_meta": {"id": "hard-v1/multi_hop/development/00043", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00043", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "org", "rule": "skip", "hops": 4, "facts": {"kind": "org", "reports": {"Zainab": "Kenji", "Tomas": "Zainab", "Tess": "Zainab", "Kwame": "Tomas", "Petra": "Tomas", "Noah": "Tess", "Ashok": "Tess", "Bram": "Kwame", "Owen": "Petra", "Omar": "Noah", "Mira": "Noah", "Luca": "Ashok", "Lotte": "Bram"}, "titles": {"Kenji": "Chief Executive", "Zainab": "Vice President", "Tomas": "Director", "Tess": "Director", "Kwame": "Senior Manager", "Petra": "Senior Manager", "Noah": "Manager", "Ashok": "Director", "Bram": "Manager", "Owen": "Manager", "Omar": "Manager", "Mira": "Manager", "Luca": "Manager", "Lotte": "Engineer"}, "requester": "Owen", "rule": "skip", "min_title": "Vice President", "options_q": {"approver": {"kenji": "kenji", "petra": "petra", "tomas": "tomas", "zainab": "zainab", "omar": "omar"}}}, "text_sha256": "fb50dfa9d38b07ee3d50d51fbaff5eb344bcdb503c9d2dae3357d7a0022521ba", "state_tokens": 216}}
{"state": "MEMO\nRe: Return window\n\nReturns are accepted if the return request is made within 30 days of delivery. Ayla Fischer ordered a standing desk on 2026-07-10. Ayla asked to return it on 2026-08-22.\n\nThe desk is unused and in its original packaging.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "reject_return": "Reject the return as outside the window", "accept_return": "Accept the return"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00007", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00006", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "return_window", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": false, "facts": {"scenario": "return_window", "insufficient_key": "not_enough_information", "params": {"window": 30, "order": "2026-07-10", "delivered": null, "request": "2026-08-22"}, "deciding_present": false, "options_q": {"decision": {"not_enough_information": "not_enough_information", "reject_return": "reject_return", "accept_return": "accept_return"}}}, "text_sha256": "f4b678169f67ecb55bbfeaa3a7978d181d94dcfbc6c93529fd696c30fb2c5533", "state_tokens": 75}}
{"state": "REVIEW REQUEST\nItem: Posts are placed every 5 metres along a straight 160-metre fence, with a post at both ends. How many posts are needed?\nSubmitted result: Pretty sure it's 32 posts", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "34 posts", "b": "32 posts", "c": "33 posts", "d": "800 posts"}, "src": "hard_judge", "label": "c"}}, "_meta": {"id": "hard-v1/judge/development/00045", "source": "hard_judge", "group_id": "hard-v1/judge/development/00045", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "fence", "error": "fencepost", "facts": {"kind": "fence", "args": {"length": 160, "gap": 5}, "dp": 0, "proposed": 32, "error": "fencepost", "options_q": {"value": {"a": 34, "b": 32, "c": 33, "d": 800}}}, "text_sha256": "f85f0d6bc2e71007bb39c55b46e002b3581ff03e4ed86b4076cd00894b256ff0", "state_tokens": 49}}
{"state": "MEMO\nRe: Outage: auth-service\n\nOutages propagate along hard dependencies: if a service goes down, every service that depends on it, directly or through other hard dependencies, is affected. Soft dependencies do not propagate outages. geo-lookup depends on inventory-db. cdn-edge depends on billing-api.\n\ncatalog-api depends on checkout-web. auth-service depends on billing-api. checkout-web depends on payments-gateway.\n\npricing-engine depends on geo-lookup. payments-gateway depends on ledger-service. ledger-service depends on auth-service.\n\nauth-service is currently down.", "questions": {"affected": {"type": "choice", "instructions": "Which of these will the outage reach?", "criteria": {"billing_api": null, "geo_lookup": null, "cdn_edge": null, "catalog_api": null}, "src": "hard_multi_hop", "label": "catalog_api"}}, "_meta": {"id": "hard-v1/multi_hop/development/00020", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00020", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "deps", "hops": 4, "soft": false, "facts": {"kind": "deps", "edges": [["ledger-service", "auth-service", false], ["payments-gateway", "ledger-service", false], ["checkout-web", "payments-gateway", false], ["catalog-api", "checkout-web", false], ["auth-service", "billing-api", false], ["geo-lookup", "inventory-db", false], ["cdn-edge", "billing-api", false], ["pricing-engine", "geo-lookup", false]], "down": "auth-service", "candidates": ["catalog-api", "billing-api", "cdn-edge", "geo-lookup"], "options_q": {"affected": {"billing_api": "billing_api", "geo_lookup": "geo_lookup", "cdn_edge": "cdn_edge", "catalog_api": "catalog_api"}}}, "text_sha256": "9573ff577b9d5bcf7268f638baebb3c11091eabcec55fa381c5c8bf39bb0f49f", "state_tokens": 119}}
{"state": "MEMO\nRe: Shift pay check\n\nA warehouse worker clocked in at 14:15 on March 19, 2026 and clocked out at 21:15. They took no break. The hourly rate is $22.75.\n\nPaid time beyond 8 hours in a shift is paid at 1.5 times the hourly rate.", "questions": {"pay": {"type": "choice", "instructions": "Shift pay due:", "criteria": {"a": "$182.00", "b": "$159.25", "c": "$170.62", "d": "$238.88", "e": "$136.50"}, "src": "hard_temporal_numeric", "label": "b"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00054", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00054", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "shift", "overtime": false, "facts": {"kind": "shift", "start": "2026-03-19T14:15", "end": "2026-03-19T21:15", "break_min": 0, "rate_cents": 2275, "ot_after_h": 8, "options_q": {"pay": {"a": 18200, "b": 15925, "c": 17062, "d": 23888, "e": 13650}}}, "text_sha256": "5b1390adbfae85461a4249169a5ef2f5a322142be6d77d0caf0330046dff27d0", "state_tokens": 83}}
{"state": "MEMO\nRe: Group structure\n\nAn entity controls a company if it holds more than 50% of that company's shares, counting shares it holds directly and shares held by companies it controls. Kilnworth plc owns 20% of Dunmore Ventures. Aldermoor Holdings owns 82% of Fenwick Industries.\n\nLysander Group owns 18% of Fenwick Industries. Lysander Group owns 14% of Kilnworth plc. Fenwick Industries owns 36% of Dunmore Ventures.\n\nEastgate Partners owns 44% of Dunmore Ventures. Aldermoor Holdings owns 86% of Kilnworth plc.", "questions": {"controller": {"type": "choice", "instructions": "Name the ultimate controller of Dunmore Ventures.", "criteria": {"no_controller": "No entity controls it", "eastgate_partners": null, "aldermoor_holdings": null, "kilnworth_plc": null, "fenwick_industries": null}, "src": "hard_multi_hop", "label": "aldermoor_holdings"}, "interest": {"type": "choice", "instructions": "What is Aldermoor Holdings's effective economic interest in Dunmore Ventures (its share of Dunmore Ventures's profits through all holdings)?", "criteria": {"a": "86.0%", "b": "56.0%", "c": "20.0%", "d": "93.4%", "e": "46.7%"}, "src": "hard_multi_hop", "label": "e"}}, "_meta": {"id": "hard-v1/multi_hop/development/00036", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00036", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "ownership", "shape": "split", "facts": {"kind": "ownership", "stakes": {"Kilnworth plc": {"Aldermoor Holdings": "86/100", "Lysander Group": "14/100"}, "Fenwick Industries": {"Aldermoor Holdings": "82/100", "Lysander Group": "18/100"}, "Dunmore Ventures": {"Kilnworth plc": "20/100", "Fenwick Industries": "36/100", "Eastgate Partners": "44/100"}}, "candidates": ["Aldermoor Holdings", "Eastgate Partners", "Kilnworth plc", "Fenwick Industries"], "target": "Dunmore Ventures", "top": "Aldermoor Holdings", "options_q": {"controller": {"no_controller": "no_controller", "eastgate_partners": "eastgate_partners", "aldermoor_holdings": "aldermoor_holdings", "kilnworth_plc": "kilnworth_plc", "fenwick_industries": "fenwick_industries"}, "interest": {"a": 860, "b": 560, "c": 200, "d": 934, "e": 467}}}, "text_sha256": "d7d66ddfd9aa739221b69805cebd86185089e3ca9131df69691c8becdf382015", "state_tokens": 141}}
{"state": "GADGET COVER: TERMS AND CONDITIONS\nIssued by Circuit Care Services\nIn this policy, \"the Provider\" means Circuit Care Services and \"the Customer\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Accessories means cases, chargers, earbuds and styluses.\n(2) Accessories means cases, chargers and earbuds.\n(3) Assessed loss means the cost of repair or replacement agreed by the Provider, before any service fee, limit or sublimit is applied.\n(4) Authorised repairer means a repairer approved in writing by the Provider.\n(5) Battery replacement means replacement batteries and battery repairs.\n(6) Breakdown means the failure of a part to work as the manufacturer intended, from an internal electrical or mechanical fault.\n(7) Business day means Monday to Friday, excluding public holidays.\n(8) Device means the item shown in the schedule, bought new from an authorised retailer.\n(9) Family means the Customer's spouse or partner and any children who live with the Customer.\n(10) Incident means a single event, or a series of events arising from one cause.\n(11) Limit means the most the Provider will pay for all claims under a section arising from one incident.\n(12) Manufacturer's warranty period means the first 24 months after the device was bought.\n(13) Policy period means twelve months from the policy start date shown in the Customer's schedule.\n(14) Premium means the amount the Customer must pay for this policy, including any taxes.\n(15) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(16) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(17) Replacement device means a device of the same or similar specification, which may be refurbished.\n(18) Schedule means the document issued with this policy that shows the Customer's details, the covers the Customer bought and any extensions.\n(19) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(20) Wearables means smartwatches and fitness trackers.\n\n§ 2  Limits and service fee\n(1) Accidental Damage: limit $1,200 per incident; service fee $79 per claim.\n(2) Breakdown: limit $600 per incident; service fee $49 per claim.\n(3) Theft and Loss: limit $1,200 per incident; service fee $149 per claim.\n(4) Any limit or sublimit is applied to the assessed loss first, and the service fee is then deducted from the result.\n\n§ 3  Breakdown\n(1) The Provider will repair or replace the Customer's device if it stops working because of an electrical or mechanical fault.\n(2) No cover applies under this section to any incident that happens within the first 45 days after the policy start date.\n(3) The most the Provider will pay for Battery replacement under this section is $120 per incident.\n(4) The Provider will not pay for breakdowns during the manufacturer's warranty period.\n(5) The Provider will not pay for breakdown caused by liquid getting into the device.\n\n§ 4  Accidental Damage\n(1) The Provider will repair or replace the Customer's device if it is accidentally damaged.\n(2) The most the Provider will pay for Accessories under this section is $100 per incident.\n(3) The most the Provider will pay for Wearables under this section is $250 per incident.\n(4) The Provider will not pay for cosmetic damage, such as scratches or dents, that does not affect how the device works.\n(5) The Provider will not pay for damage following a repair by anyone other than the Provider or an authorised repairer. This exclusion does not apply if the Provider approved the repair in writing beforehand.\n\n§ 5  Optional cover: Theft and Loss\n(1) The Provider will replace the Customer's device if it is stolen or lost.\n(2) This section applies only if it is shown as purchased in the Customer's schedule.\n(3) The most the Provider will pay for Accessories under this section is $50 per incident.\n(4) The Provider will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Provider will not pay for theft that was not reported to the police.\n\n§ 6  General exclusions\n(1) The Provider will not pay for any deliberate or criminal act by the Customer.\n(2) The Provider will not pay for loss arising from a government order or sanction that prohibits the Provider from paying.\n(3) The Provider will not pay for loss caused by nuclear radiation or radioactive contamination.\n(4) The Provider will not pay for any fraudulent claim or any claim supported by false documents.\n(5) The Provider will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(6) The Provider will not pay for loss or damage caused by war, invasion, or civil war.\n\n§ 7  Making a claim\n(1) The Customer must notify the Provider of a claim within 60 days of the incident. The Provider will not pay any claim notified after that time.\n(2) The Customer must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Provider may appoint a loss adjuster to investigate any claim.\n\n§ 8  Compensation scheme\n(1) The Provider is covered by a financial services compensation scheme.\n(2) If the Provider cannot meet the Provider's obligations, the Customer may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 9  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 10  Software support\n(1) The Provider's helpline can give advice on setting up and using the Customer's device.\n(2) Software support does not include fixing problems caused by third-party apps or unofficial operating systems.\n\n§ 11  Transferring the plan\n(1) The Customer may transfer the plan to a new owner of the device by telling the Provider in writing.\n(2) The remaining term of the plan transfers with the device; the term does not restart.\n\n§ 12  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 13  Third-party administrators\n(1) The Provider may appoint another company to handle claims or other services on the Provider's behalf.\n(2) Any company the Provider appoints must follow the terms of this policy and applicable data protection law.\n\n§ 14  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 15  Interest\n(1) The Provider will not pay interest on any claim payment unless the law requires it.\n\n§ 16  Unrecoverable devices\n(1) If a device is found after the Provider has replaced it, the found device becomes the Provider's property and must be sent to the Provider.\n(2) The Provider may block devices reported as lost or stolen so that they cannot be used on mobile networks.\n\n§ 17  Data protection\n(1) The Provider will use the personal information the Customer provides to administer this policy and to handle claims.\n(2) The Provider will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Customer can ask for a copy of the personal information the Provider holds by writing to the Provider's data protection officer.\n\n§ 18  Automatic renewal\n(1) Unless the Customer tells the Provider otherwise, this policy will renew automatically at the end of the policy period using the payment details the Provider holds.\n(2) The Customer can switch off automatic renewal at any time by contacting the Provider's helpline.\n\n§ 19  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 20  Subrogation\n(1) The Provider will be entitled to take over and conduct in the Customer's name the defence or settlement of any claim.\n(2) The Provider can take action in the Customer's name to recover any payment the Provider makes from anyone responsible for the loss.\n\n§ 21  Environmental commitment\n(1) Where practical, the Provider will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Customer may ask for a new part instead, and the Provider will tell the Customer whether any additional cost would apply.\n\n§ 22  Notices\n(1) Any notice the Provider gives under this policy will be sent to the most recent postal or email address the Provider holds.\n(2) Notices from the Customer should be sent to the address shown in the schedule.\n\n§ 23  Reasonable precautions\n(1) The Customer must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Customer must take reasonable steps to recover lost or stolen property.\n\n§ 24  Cancellation\n(1) The Customer can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Customer can cancel at any time; the Provider will refund the premium for the unexpired period less an administration charge of $15.\n(3) The Provider can cancel this policy by giving the Customer 30 days' written notice to the last address the Provider holds.\n\n§ 25  Waiver\n(1) If the Provider does not enforce any term of this policy, that does not mean the Provider has given up the right to enforce it later.\n\n§ 26  Electronic documents\n(1) The Provider will send documents by email unless the Customer asks for paper copies.\n(2) The Customer must tell the Provider if the Customer's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 27  Salvage\n(1) When the Provider replaces an item, the damaged or recovered item becomes the Provider's property.\n(2) If stolen property is recovered after the Provider has paid a claim, the Customer must tell the Provider and either return the payment or give the Provider the property.\n\n§ 28  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 29  Exchange of information\n(1) To prevent fraud, the Provider may check the details the Customer gives against public records and industry databases.\n(2) The Provider may contact previous insurers to confirm the Customer's claims history.\n\n§ 30  Claims documents\n(1) The Customer must provide, at the Customer's own expense, original receipts, invoices, reports and any other evidence the Provider reasonably ask for.\n(2) The Provider may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 31  Recovery of costs\n(1) If the Provider pays a claim that is later found not to be covered, the Provider may ask the Customer to repay the amount.\n\n§ 32  Change of address\n(1) The Customer must tell the Provider within 30 days if the Customer changes the Customer's address.\n(2) The Provider may change the premium or the terms from the date of the move.\n\n§ 33  Instalment agreements\n(1) If the Customer pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 34  Renewal\n(1) The Provider will write to the Customer at least 21 days before the end of the policy period with the renewal terms.\n(2) The Provider is not obliged to offer renewal.\n\n§ 35  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 36  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 37  Cooperation\n(1) The Customer must give the Provider all the help and information the Provider reasonably need to settle a claim.\n(2) The Customer must not admit liability or offer to settle any claim without the Provider's written permission.\n\n§ 38  Communication\n(1) The Provider will communicate with the Customer in English.\n(2) The Provider may record telephone calls for training and quality purposes.\n\n§ 39  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 40  Customer support\n(1) The Provider's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Customer can leave a message and the Provider will call back on the next working day.\n\n§ 41  Premium payment\n(1) The Customer must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Provider may cancel the policy after giving notice.\n\n§ 42  Records and evidence\n(1) The Customer should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Provider may base any settlement on the price of a comparable item.\n(3) The Provider may ask for evidence of how and when an item was acquired.\n\n§ 43  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Provider may charge the premium without the discount from that date.\n\n§ 44  Arbitration\n(1) If the Provider accepts a claim but disagree with the Customer about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Provider.\n\n§ 45  Payment of claims\n(1) The Provider will pay claims by bank transfer to an account in the Customer's name.\n(2) The Provider aims to pay accepted claims within 5 working days of receiving all the documents the Provider needs.\n\n§ 46  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Provider will pay only the Provider's proportionate share.\n(2) The Customer must tell the Provider about any other insurance that covers the same loss when the Customer makes a claim.\n\n§ 47  Repair process\n(1) After a claim is accepted, the Provider will send a prepaid mailer or book a courier collection.\n(2) The Provider aims to return repaired devices within 5 business days of receiving them.\n\n§ 48  Data and backups\n(1) The Provider is not responsible for recovering or restoring any data, software or settings stored on the Customer's device.\n(2) The Customer should back up the Customer's data regularly and before sending the device for repair.\n\n§ 49  Duty of fair presentation\n(1) The Customer must answer all questions the Provider asks honestly and to the best of the Customer's knowledge.\n(2) If the Customer gives incorrect information deliberately or recklessly, the Provider may treat this policy as if it never existed and keep the premium.\n(3) If the Customer gives incorrect information carelessly, the Provider may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 50  Assignment\n(1) The Customer cannot transfer the Customer's interest in this policy to anyone else without the Provider's written consent.\n\n§ 51  Changes in circumstances\n(1) The Customer must tell the Provider as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Provider may then change the premium or the terms of this policy, or cancel it.\n\n§ 52  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Provider will not pay the claim and all cover under this policy may be cancelled.\n(2) The Provider may share information with fraud prevention agencies and other insurers.\n\n§ 53  Sanctions\n(1) The Provider will not provide cover or pay any claim to the extent that doing so would expose the Provider to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 54  Complaints\n(1) If the Customer has a complaint, the Customer should first contact the Provider's customer relations team, quoting the policy number.\n(2) The Provider will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Customer remains dissatisfied, the Customer may be able to refer the complaint to an independent ombudsman service.\n\n§ 55  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 56  Inflation\n(1) The Provider may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Customer's renewal documents; limits do not change during a policy period.\n\n§ 57  Market conditions\n(1) If the replacement item is no longer available, the Provider will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 58  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Provider may adjust the premium from the date of the change.\n\n§ 59  Replacement devices\n(1) If the Provider cannot repair the Customer's device economically, the Provider will replace it with a replacement device.\n(2) Replacement devices may be a different colour and may be refurbished to an as-new standard.\n(3) Accessories are replaced only if they were lost or damaged in the same incident as the device.\n\n=== CLAIM ===\nClaim summary: Noah Mensah; policy B656766; policy start 2 March 2025; schedule covers Accidental Damage, Breakdown, Theft and Loss; extensions none. Section claimed: Theft and Loss, for a smartphone. Incident date 16 August 2025; notified 27 August 2025; assessed loss $988. Facts: Noah did not report the theft to the police. The device is registered in Noah's name. The retailer's receipt was uploaded with the claim.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_waiting": "Decline: the incident happened during the waiting period (§ 3(2))", "deny_no_police_report": "Decline under the unreported theft exclusion (§ 5(5))", "deny_unattended": "Decline under the unattended property exclusion (§ 5(4))", "pay_less_fee": "Pay the assessed loss less the service fee", "deny_late": "Decline: the claim was notified too late (§ 7(1))"}, "src": "hard_long_policy", "label": "deny_no_police_report"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$1,200", "b": "$988", "c": "$1,051", "d": "$839", "e": "$0"}, "src": "hard_long_policy", "label": "e"}}, "_meta": {"id": "hard-v1/long_policy/development/00073", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00073", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "device", "target": "deny_exclusion", "category": "theft_loss", "tempting": null, "facts": {"domain": "device", "fee_order": "after", "notice_days": 60, "categories": {"accidental_damage": {"limit": 1200, "fee": 79, "waiting": 0, "purchased": true}, "breakdown": {"limit": 600, "fee": 49, "waiting": 45, "purchased": true}, "theft_loss": {"limit": 1200, "fee": 149, "waiting": 0, "purchased": true}}, "classes": {"accessories": {"category": "accidental_damage", "cap": 100}, "wearables": {"category": "accidental_damage", "cap": 250}, "battery": {"category": "breakdown", "cap": 120}, "accessories_tl": {"category": "theft_loss", "cap": 50}}, "exclusions": [{"key": "cosmetic_damage", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unauthorised_repair", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "manufacturer_warranty", "categories": ["breakdown"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}, {"key": "liquid", "categories": ["breakdown"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unattended", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "no_police_report", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "theft_loss", "item": "the smartphone", "item_class": null, "loss_cents": 98800, "start": "2025-03-02", "incident": "2025-08-16", "reported": "2025-08-27", "conditions": {"no_police_report": true}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"deny_waiting": "deny_waiting", "deny_no_police_report": "deny_no_police_report", "deny_unattended": "deny_unattended", "pay_less_fee": "pay_less_fee", "deny_late": "deny_late"}, "amount": {"a": 120000, "b": 98800, "c": 105100, "d": 83900, "e": 0}}}, "text_sha256": "dd1642faa7a00107a62c8c8e43e42acc9f49d2fa3d2876a1e4ce7319e4f377f8", "state_tokens": 4302}}
{"state": "MEMO\nRe: Group structure\n\nAn entity controls a company if it holds more than 50% of that company's shares, counting shares it holds directly and shares held by companies it controls. Dunmore Ventures owns 20% of Lysander Group. Eastgate Partners owns 35% of Lysander Group.\n\nJuno Capital owns 44% of Dunmore Ventures. Juno Capital owns 12% of Eastgate Partners. Cresta Group owns 45% of Lysander Group.\n\nHollis Investments owns 56% of Dunmore Ventures. Hollis Investments owns 88% of Eastgate Partners.", "questions": {"controller": {"type": "choice", "instructions": "Name the ultimate controller of Lysander Group.", "criteria": {"eastgate_partners": null, "no_controller": "No entity controls it", "cresta_group": null, "dunmore_ventures": null, "hollis_investments": null}, "src": "hard_multi_hop", "label": "hollis_investments"}, "interest": {"type": "choice", "instructions": "What is Hollis Investments's effective economic interest in Lysander Group (its share of Lysander Group's profits through all holdings)?", "criteria": {"a": "88.0%", "b": "42.0%", "c": "84.0%", "d": "55.0%", "e": "20.0%"}, "src": "hard_multi_hop", "label": "b"}}, "_meta": {"id": "hard-v1/multi_hop/development/00091", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00091", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "ownership", "shape": "split", "facts": {"kind": "ownership", "stakes": {"Dunmore Ventures": {"Hollis Investments": "56/100", "Juno Capital": "44/100"}, "Eastgate Partners": {"Hollis Investments": "88/100", "Juno Capital": "12/100"}, "Lysander Group": {"Dunmore Ventures": "20/100", "Eastgate Partners": "35/100", "Cresta Group": "45/100"}}, "candidates": ["Hollis Investments", "Cresta Group", "Dunmore Ventures", "Eastgate Partners"], "target": "Lysander Group", "top": "Hollis Investments", "options_q": {"controller": {"eastgate_partners": "eastgate_partners", "no_controller": "no_controller", "cresta_group": "cresta_group", "dunmore_ventures": "dunmore_ventures", "hollis_investments": "hollis_investments"}, "interest": {"a": 880, "b": 420, "c": 840, "d": 550, "e": 200}}}, "text_sha256": "3a5056c19d05389416b054d853aedb9e7868843b2cd58172ce94b2c81de8f91b", "state_tokens": 138}}
{"state": "MEMO\nRe: Alert from login service\n\nPaging rule: an alert pages the owning team's primary on-call; if the primary is on leave that day, it pages the secondary; if the secondary is also on leave, it pages the team's engineering manager. The Data Platform engineering manager is Aiko. This week's Data Platform primary on-call is Yusuf and the secondary is Mateo.\n\nAlerts from the event pipeline are owned by the Search team. The Search engineering manager is Omar. This week's Search primary on-call is Kenji and the secondary is Priya.\n\nAlerts from the login service are owned by the Data Platform team. This week's Messaging primary on-call is Esme and the secondary is Fiona. Alerts from the push gateway are owned by the Data Platform team.\n\nAlerts from the blob store are owned by the Messaging team. Yusuf is on leave from May 12, 2027 to May 15, 2027 inclusive. The Messaging engineering manager is Arjun.\n\nOn May 13, 2027, an alert fired from the login service.", "questions": {"paged": {"type": "choice", "instructions": "Who is the right person to page?", "criteria": {"mateo": null, "yusuf": null, "aiko": null, "kenji": null}, "src": "hard_multi_hop", "label": "mateo"}}, "_meta": {"id": "hard-v1/multi_hop/development/00089", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00089", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "oncall", "facts": {"kind": "oncall", "routes": {"push gateway": "Data Platform", "blob store": "Messaging", "event pipeline": "Search", "login service": "Data Platform"}, "primary": {"Data Platform": "Yusuf", "Messaging": "Esme", "Search": "Kenji"}, "secondary": {"Data Platform": "Mateo", "Messaging": "Fiona", "Search": "Priya"}, "manager": {"Data Platform": "Aiko", "Messaging": "Arjun", "Search": "Omar"}, "leave": {"Yusuf": [["2027-05-12", "2027-05-15"]]}, "component": "login service", "date": "2027-05-13", "options_q": {"paged": {"mateo": "mateo", "yusuf": "yusuf", "aiko": "aiko", "kenji": "kenji"}}}, "text_sha256": "8c893c3c15379b0990487e44ac9cc76f9badb4000070520a5d461889991869fd", "state_tokens": 234}}
{"state": "MEMO\nRe: Reliability estimate\n\nA checkout succeeds only if all 4 independent steps succeed: the tax service, the payment gateway, the fraud check, the address validator. The tax service succeeds eighty percent of the time. The payment gateway succeeds sixty percent of the time.\n\nThe fraud check succeeds seventy-five percent of the time. The address validator succeeds ninety-two percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that a checkout fails?", "criteria": {"a": "99.8%", "b": "66.9%", "c": "33.1%", "d": "0.2%", "e": "60.0%"}, "src": "hard_probability", "label": "b"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that a checkout fails?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 3}}, "_meta": {"id": "hard-v1/probability/development/00073", "source": "hard_probability", "group_id": "hard-v1/probability/development/00073", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "independent", "facts": {"kind": "independent", "p": {}, "ps": ["80/100", "60/100", "75/100", "92/100"], "ask": "any_fail", "options_q": {"value": {"a": 998, "b": 669, "c": 331, "d": 2, "e": 600}}, "qid2": "bucket"}, "text_sha256": "c8414de178c1786bf9294d581056ff58611e3f1939e3d0cb7c6db77db59e806f", "state_tokens": 80}}
{"state": "MEMO\nRe: Outage: billing-api\n\nOutages propagate along hard dependencies: if a service goes down, every service that depends on it, directly or through other hard dependencies, is affected. Soft dependencies do not propagate outages. cdn-edge depends on session-cache. ledger-service depends on billing-api.\n\nsearch-indexer depends on geo-lookup. catalog-api depends on search-indexer. billing-api depends on session-cache.\n\nnotification-hub depends on ledger-service. billing-api is currently down.", "questions": {"affected": {"type": "choice", "instructions": "Which of these will the outage reach?", "criteria": {"cdn_edge": null, "session_cache": null, "search_indexer": null, "notification_hub": null}, "src": "hard_multi_hop", "label": "notification_hub"}}, "_meta": {"id": "hard-v1/multi_hop/development/00001", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00001", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "deps", "hops": 2, "soft": false, "facts": {"kind": "deps", "edges": [["ledger-service", "billing-api", false], ["notification-hub", "ledger-service", false], ["billing-api", "session-cache", false], ["search-indexer", "geo-lookup", false], ["cdn-edge", "session-cache", false], ["catalog-api", "search-indexer", false]], "down": "billing-api", "candidates": ["notification-hub", "session-cache", "cdn-edge", "search-indexer"], "options_q": {"affected": {"cdn_edge": "cdn_edge", "session_cache": "session_cache", "search_indexer": "search_indexer", "notification_hub": "notification_hub"}}}, "text_sha256": "9956b6de356c69d74a825614808669a6dffb3dd7d507abc5ffbf19b08e9d278a", "state_tokens": 104}}
{"state": "MEMO\nRe: Approval routing\n\nPurchase requests of this size must be approved by the requester's manager's manager (the skip-level manager). Mira reports to Emeka. Kofi reports to Colm.\n\nAiko reports to Mira. Omar reports to Emeka. Tomas reports to Samir.\n\nColm reports to Aiko. Diego is a Senior Manager. Ines is a Senior Manager.\n\nFarah is a Manager. Omar is a Vice President. Tomas is a Manager.\n\nJonas is a Director. Aiko is a Director. Colm is a Senior Manager.\n\nEmeka is a Chief Executive. Mira is a Vice President. Ashok is a Manager.\n\nLotte is a Manager. Samir is a Director. Kofi is a Manager.\n\nFarah reports to Aiko. Lotte reports to Colm. Ines reports to Samir.\n\nJonas reports to Omar. Diego reports to Jonas. Ashok reports to Jonas.\n\nSamir reports to Mira. Ines has submitted a purchase request for $49,500.", "questions": {"approver": {"type": "choice", "instructions": "Which person has to approve the request?", "criteria": {"samir": null, "farah": null, "mira": null, "emeka": null, "kofi": null}, "src": "hard_multi_hop", "label": "mira"}}, "_meta": {"id": "hard-v1/multi_hop/development/00093", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00093", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "org", "rule": "skip", "hops": 3, "facts": {"kind": "org", "reports": {"Mira": "Emeka", "Omar": "Emeka", "Aiko": "Mira", "Samir": "Mira", "Jonas": "Omar", "Colm": "Aiko", "Farah": "Aiko", "Ines": "Samir", "Tomas": "Samir", "Ashok": "Jonas", "Diego": "Jonas", "Kofi": "Colm", "Lotte": "Colm"}, "titles": {"Emeka": "Chief Executive", "Mira": "Vice President", "Omar": "Vice President", "Aiko": "Director", "Samir": "Director", "Jonas": "Director", "Colm": "Senior Manager", "Farah": "Manager", "Ines": "Senior Manager", "Tomas": "Manager", "Ashok": "Manager", "Diego": "Senior Manager", "Kofi": "Manager", "Lotte": "Manager"}, "requester": "Ines", "rule": "skip", "min_title": "Senior Manager", "options_q": {"approver": {"samir": "samir", "farah": "farah", "mira": "mira", "emeka": "emeka", "kofi": "kofi"}}}, "text_sha256": "5ff6039500ce2ff6249b0450c571d05d9b5c4a54a41cd5b8691be21cd54696ad", "state_tokens": 222}}
{"state": "MEMO\nRe: Alert precision\n\nA spam filter quarantines inbound emails. Historically, fifty percent of emails are spam. When one of the emails is spam, the system quarantines it eighty-five percent of the time.\n\nWhen one of the emails is not spam, the system still quarantines it one percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that one of the emails that the system has quarantined is actually spam?", "criteria": {"a": "42.5%", "b": "99.0%", "c": "98.8%", "d": "85.0%", "e": "50.0%"}, "src": "hard_probability", "label": "c"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that one of the emails that the system has quarantined is spam?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 5}}, "_meta": {"id": "hard-v1/probability/development/00004", "source": "hard_probability", "group_id": "hard-v1/probability/development/00004", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "bayes", "facts": {"kind": "bayes", "p": {"base": "50/100", "sens": "85/100", "fpr": "1/100"}, "options_q": {"value": {"a": 425, "b": 990, "c": 988, "d": 850, "e": 500}}, "qid2": "bucket"}, "text_sha256": "7a01cecae927de8baf843e962cbc1bbb4e80719bec29dfb4630c801c981f3bf1", "state_tokens": 71}}
{"state": "REVIEW REQUEST\nItem: Monthly active users went from 440 to 225. What is the percentage change, to one decimal place (negative for a decrease)?\nSubmitted result: I think -48.9%", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "51.1%", "b": "-215.0%", "c": "-48.9%", "d": "48.9%", "e": "-95.6%"}, "src": "hard_judge", "label": "c"}}, "_meta": {"id": "hard-v1/judge/development/00083", "source": "hard_judge", "group_id": "hard-v1/judge/development/00083", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "pct_change", "error": null, "facts": {"kind": "pct_change", "args": {"old": 440, "new": 225}, "dp": 1, "proposed": -489, "error": null, "options_q": {"value": {"a": 511, "b": -2150, "c": -489, "d": 489, "e": -956}}}, "text_sha256": "6b61ae0a598107ff393106e1d0ba96ffb939e1aa47c7f9148127a3ac66e87a63", "state_tokens": 49}}
{"state": "MEMO\nRe: Project funding decision\n\nThe planning team must fund exactly one of 4 projects and wants the highest expected net value (expected payoff minus up-front cost). Project Ember costs $60,000 up front and has a thirty-five percent chance of a gain of $860,000; a sixty-five percent chance of a gain of $180,000. Project Beacon costs $10,000 up front and has a sixty-five percent chance of a gain of $480,000; a thirty-five percent chance of a gain of $400,000.\n\nProject Garnet costs $120,000 up front and has a seventy percent chance of a gain of $870,000; a thirty percent chance of a loss of $190,000. Project Fjord costs $90,000 up front and has a five percent chance of a gain of $870,000; a twenty-five percent chance of a gain of $860,000; a seventy percent chance of a gain of $670,000.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which project has the highest expected net value?", "criteria": {"project_ember": null, "project_garnet": null, "project_beacon": null, "project_fjord": null}, "src": "hard_probability", "label": "project_fjord"}, "value": {"type": "choice", "instructions": "Per the figures given, What is the expected net value of Project Garnet?", "criteria": {"a": "$312,000", "b": "$432,000", "c": "$220,000", "d": "$750,000", "e": "$552,000"}, "src": "hard_probability", "label": "b"}}, "_meta": {"id": "hard-v1/probability/development/00002", "source": "hard_probability", "group_id": "hard-v1/probability/development/00002", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "ev", "facts": {"kind": "ev", "p": {}, "projects": {"Project Ember": {"outcomes": [["35/100", 860000], ["65/100", 180000]], "cost": 60000}, "Project Beacon": {"outcomes": [["65/100", 480000], ["35/100", 400000]], "cost": 10000}, "Project Garnet": {"outcomes": [["70/100", 870000], ["30/100", -190000]], "cost": 120000}, "Project Fjord": {"outcomes": [["5/100", 870000], ["25/100", 860000], ["70/100", 670000]], "cost": 90000}}, "asked": "Project Garnet", "options_q": {"choice": {"project_ember": "project_ember", "project_garnet": "project_garnet", "project_beacon": "project_beacon", "project_fjord": "project_fjord"}, "value": {"a": 312000, "b": 432000, "c": 220000, "d": 750000, "e": 552000}}}, "text_sha256": "e09de303baaf922eeb7a3fccf43ea9d43c3d946f2fe745815dd0f9622db7891e", "state_tokens": 253}}
{"state": "ANNUAL MULTI-TRIP TRAVEL COVER\nIssued by Northstar Underwriting\nIn this policy, \"the Insurer\" means Northstar Underwriting and \"the Insured Person\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Dental treatment means treatment of the teeth or gums.\n(2) Excursions and tickets means pre-booked excursions, tours, and event or theatre tickets.\n(3) Hazardous activity means skydiving, motor racing, or trekking or climbing above 3,000 metres.\n(4) Physiotherapy means treatment of muscles and joints by a physiotherapist.\n(5) Pre-existing condition means any illness or injury for which the Insured Person received treatment or advice in the 3 months before the policy start date.\n(6) Schedule means the document issued with this policy that shows the Insured Person's details, the covers the Insured Person bought and any extensions.\n(7) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n\n§ 2  Limits and excess\n(1) Baggage and Personal Belongings: limit $1,500 per incident; excess $75 per claim.\n(2) Emergency Medical Expenses: limit $50,000 per incident; excess $250 per claim.\n(3) Trip Cancellation: limit $5,000 per incident; excess $50 per claim.\n(4) Travel Delay: limit $750 per incident; excess $50 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Emergency Medical Expenses\n(1) The Insurer will pay reasonable and necessary emergency medical costs incurred during the trip.\n(2) The most the Insurer will pay for Dental treatment under this section is $250 per incident.\n(3) The most the Insurer will pay for Physiotherapy under this section is $300 per incident.\n(4) The Insurer will not pay for treatment of a pre-existing condition.\n(5) The Insurer will not pay for injury or illness arising from a hazardous activity. This exclusion does not apply if the Adventure Sports extension is shown in the Insured Person's schedule.\n(6) The Insurer will not pay for any claim arising from the Insured Person's being under the influence of alcohol or drugs.\n\n§ 4  Trip Cancellation\n(1) The Insurer will pay non-refundable travel and accommodation costs if the Insured Person must cancel the trip for a reason beyond the Insured Person's control.\n(2) No cover applies under this section to any incident that happens within the first 14 days after the policy start date.\n(3) The most the Insurer will pay for Excursions and tickets under this section is $300 per incident.\n(4) The Insurer will not pay for cancellation caused by a strike or other event that had been publicly announced before the Insured Person bought the policy.\n(5) The Insurer will not pay for cancellation because the Insured Person no longer wish to travel.\n\n§ 5  General exclusions\n(1) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(2) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n\n§ 6  Making a claim\n(1) The Insurer may appoint a loss adjuster to investigate any claim.\n(2) The Insured Person must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Insured Person must notify the Insurer of a claim within 14 days of the incident. The Insurer will not pay any claim notified after that time.\n\n§ 7  Rental car excess\n(1) If the Insured Person hires a car during the trip, the Insurer will reimburse any excess the Insured Person must pay to the hire company after accidental damage to the car.\n(2) This section applies only to cars hired from a licensed rental company under a written agreement.\n\n§ 8  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Insured Person to repay the amount.\n\n§ 9  Payment of claims\n(1) The Insurer will pay claims by bank transfer to an account in the Insured Person's name.\n(2) The Insurer aims to pay accepted claims within 15 working days of receiving all the documents the Insurer needs.\n\n§ 10  Subrogation\n(1) The Insurer will be entitled to take over and conduct in the Insured Person's name the defence or settlement of any claim.\n(2) The Insurer can take action in the Insured Person's name to recover any payment the Insurer makes from anyone responsible for the loss.\n\n§ 11  Customer support\n(1) The Insurer's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Insured Person can leave a message and the Insurer will call back on the next working day.\n\n§ 12  Missed departure\n(1) The Insurer will pay reasonable additional travel and accommodation costs to reach the Insured Person's destination if the Insured Person arrives too late to board the Insured Person's booked transport because public transport fails.\n(2) The Insured Person must allow enough time to reach the departure point, and must obtain written confirmation of the delay from the transport operator.\n\n§ 13  Records and evidence\n(1) The Insured Person should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n=== CLAIM ===\nClaim summary: Idris Quinn; policy D451634; policy start 30 May 2026; schedule covers Baggage and Personal Belongings, Emergency Medical Expenses, Trip Cancellation; extensions none. Section claimed: Trip Cancellation, for non-refundable flights and hotel bookings. Incident date 19 April 2027; notified 1 June 2027; assessed loss $2,866. Facts: Idris cancelled after receiving a jury summons for the travel dates. The trip was booked through an online travel agent. Idris paid for the trip with a credit card. The return flight was scheduled for the following week.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_limit": "Pay up to the Trip Cancellation limit", "pay_less_fee": "Pay the assessed loss less the excess", "not_covered": "Decline: Trip Cancellation is not a cover shown in the schedule", "deny_waiting": "Decline: the incident happened during the waiting period (§ 4(2))", "deny_late": "Decline: the claim was notified too late (§ 6(3))"}, "src": "hard_long_policy", "label": "deny_late"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$2,866", "b": "$4,950", "c": "$0", "d": "$250", "e": "$2,816"}, "src": "hard_long_policy", "label": "c"}}, "_meta": {"id": "hard-v1/long_policy/development/00080", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00080", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "travel", "target": "deny_late", "category": "cancellation", "tempting": null, "facts": {"domain": "travel", "fee_order": "before", "notice_days": 14, "categories": {"baggage": {"limit": 1500, "fee": 75, "waiting": 0, "purchased": true}, "medical": {"limit": 50000, "fee": 250, "waiting": 0, "purchased": true}, "cancellation": {"limit": 5000, "fee": 50, "waiting": 14, "purchased": true}, "delay": {"limit": 750, "fee": 50, "waiting": 0, "purchased": false}}, "classes": {"valuables": {"category": "baggage", "cap": 400}, "sports": {"category": "baggage", "cap": 300}, "dental": {"category": "medical", "cap": 250}, "physio": {"category": "medical", "cap": 300}, "excursions": {"category": "cancellation", "cap": 300}}, "exclusions": [{"key": "unattended", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "confiscation", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pre_existing", "categories": ["medical"], "kind": "threshold", "thr": 3, "cmp": "le", "has_exception": false}, {"key": "hazardous", "categories": ["medical"], "kind": "threshold", "thr": 3000, "cmp": "gt", "has_exception": true}, {"key": "intoxication", "categories": ["medical"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "known_event", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "change_of_mind", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "short_delay", "categories": ["delay"], "kind": "threshold", "thr": 12, "cmp": "le", "has_exception": false}], "case": {"category": "cancellation", "item": "the flights and hotel", "item_class": null, "loss_cents": 286600, "start": "2026-05-30", "incident": "2027-04-19", "reported": "2027-06-01", "conditions": {}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"pay_limit": "pay_limit", "pay_less_fee": "pay_less_fee", "not_covered": "not_covered", "deny_waiting": "deny_waiting", "deny_late": "deny_late"}, "amount": {"a": 286600, "b": 495000, "c": 0, "d": 25000, "e": 281600}}}, "text_sha256": "ca76bdf6f94b8621d59f78cabe61e6daddf632e6c46f15b1333392763959876a", "state_tokens": 1456}}
{"state": "TRAVEL INSURANCE POLICY WORDING\nIssued by Compass Mutual\nIn this policy, \"the Insurer\" means Compass Mutual and \"the Insured Person\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(2) Business day means Monday to Friday, excluding public holidays.\n(3) Dental treatment means treatment of the teeth or gums.\n(4) Excursions and tickets means pre-booked excursions, tours, and event or theatre tickets.\n(5) Family means the Insured Person's spouse or partner and any children who live with the Insured Person.\n(6) Hazardous activity means skydiving, motor racing, or trekking or climbing above 3,000 metres.\n(7) Incident means a single event, or a series of events arising from one cause.\n(8) Limit means the most the Insurer will pay for all claims under a section arising from one incident.\n(9) Physiotherapy means treatment of muscles and joints by a physiotherapist.\n(10) Policy period means twelve months from the policy start date shown in the Insured Person's schedule.\n(11) Pre-existing condition means any illness or injury for which the Insured Person received treatment or advice in the 6 months before the policy start date.\n(12) Premium means the amount the Insured Person must pay for this policy, including any taxes.\n(13) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(14) Public transport means any scheduled train, bus, coach, ferry or aircraft.\n(15) Qualifying delay means a delay to the scheduled departure of more than 12 hours.\n(16) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(17) Schedule means the document issued with this policy that shows the Insured Person's details, the covers the Insured Person bought and any extensions.\n(18) Sports equipment means skis, snowboards, golf clubs, surfboards and bicycles.\n(19) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(20) Territory means the countries in which cover applies, as shown in the schedule.\n(21) Travelling companion means a person who has booked to travel with the Insured Person on the same trip.\n(22) Trip means a journey that starts and ends in the Insured Person's home country during the policy period.\n(23) Valuables means laptops, tablets, mobile phones, cameras, watches and jewellery.\n\n§ 2  Limits and excess\n(1) Baggage and Personal Belongings: limit $2,000 per incident; excess $100 per claim.\n(2) Emergency Medical Expenses: limit $25,000 per incident; excess $250 per claim.\n(3) Trip Cancellation: limit $3,000 per incident; excess $100 per claim.\n(4) Travel Delay: limit $300 per incident; excess $25 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Baggage and Personal Belongings\n(1) The Insurer will pay for the loss of, theft of, or damage to the Insured Person's baggage and personal belongings during the trip.\n(2) The most the Insurer will pay for Valuables under this section is $250 per incident.\n(3) The most the Insurer will pay for Sports equipment under this section is $450 per incident.\n(4) The Insurer will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Insurer will not pay for loss caused by confiscation or detention by customs or other officials.\n(6) The Insurer will not pay for damage caused by wear and tear or gradual deterioration.\n\n§ 4  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Insurer will pay only the Insurer's proportionate share.\n(2) The Insured Person must tell the Insurer about any other insurance that covers the same loss when the Insured Person makes a claim.\n\n§ 5  Repatriation\n(1) If the Insurer's medical adviser agrees it is necessary, the Insurer will arrange and pay for the Insured Person to be brought home.\n(2) The Insurer will decide the method of transport and the time of repatriation after speaking to the treating doctor.\n\n§ 6  Automatic renewal\n(1) Unless the Insured Person tells the Insurer otherwise, this policy will renew automatically at the end of the policy period using the payment details the Insurer holds.\n(2) The Insured Person can switch off automatic renewal at any time by contacting the Insurer's helpline.\n\n§ 7  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Insured Person must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 8  Customer support\n(1) The Insurer's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Insured Person can leave a message and the Insurer will call back on the next working day.\n\n§ 9  Emergency Medical Expenses\n(1) The Insurer will pay reasonable and necessary emergency medical costs incurred during the trip.\n(2) The most the Insurer will pay for Dental treatment under this section is $250 per incident.\n(3) The most the Insurer will pay for Physiotherapy under this section is $500 per incident.\n(4) The Insurer will not pay for treatment of a pre-existing condition.\n(5) The Insurer will not pay for injury or illness arising from a hazardous activity. This exclusion does not apply if the Adventure Sports extension is shown in the Insured Person's schedule.\n(6) The Insurer will not pay for any claim arising from the Insured Person's being under the influence of alcohol or drugs.\n\n§ 10  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 11  Optional cover: Travel Delay\n(1) The Insurer will pay reasonable costs of meals and accommodation if the Insured Person's outbound departure is delayed.\n(2) This section applies only if it is shown as purchased in the Insured Person's schedule.\n(3) The Insurer will not pay for any delay that is not a qualifying delay.\n\n§ 12  Trip Cancellation\n(1) The Insurer will pay non-refundable travel and accommodation costs if the Insured Person must cancel the trip for a reason beyond the Insured Person's control.\n(2) No cover applies under this section to any incident that happens within the first 14 days after the policy start date.\n(3) The most the Insurer will pay for Excursions and tickets under this section is $200 per incident.\n(4) The Insurer will not pay for cancellation caused by a strike or other event that had been publicly announced before the Insured Person bought the policy.\n(5) The Insurer will not pay for cancellation because the Insured Person no longer wish to travel.\n\n§ 13  Rental car excess\n(1) If the Insured Person hires a car during the trip, the Insurer will reimburse any excess the Insured Person must pay to the hire company after accidental damage to the car.\n(2) This section applies only to cars hired from a licensed rental company under a written agreement.\n\n§ 14  Changes in circumstances\n(1) The Insured Person must tell the Insurer as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Insurer may then change the premium or the terms of this policy, or cancel it.\n\n§ 15  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 16  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 17  Subrogation\n(1) The Insurer will be entitled to take over and conduct in the Insured Person's name the defence or settlement of any claim.\n(2) The Insurer can take action in the Insured Person's name to recover any payment the Insurer makes from anyone responsible for the loss.\n\n§ 18  Reasonable precautions\n(1) The Insured Person must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Insured Person must take reasonable steps to recover lost or stolen property.\n\n§ 19  General exclusions\n(1) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(2) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(3) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n\n§ 20  Making a claim\n(1) The Insurer may appoint a loss adjuster to investigate any claim.\n(2) The Insured Person must notify the Insurer of a claim within 21 days of the incident. The Insurer will not pay any claim notified after that time.\n(3) The Insured Person must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 21  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n=== CLAIM ===\nClaim summary: Kwame Jensen; policy B348638; policy start 16 April 2026; schedule covers Baggage and Personal Belongings, Emergency Medical Expenses, Trip Cancellation, Travel Delay; extensions Adventure Sports extension. Section claimed: Emergency Medical Expenses, for emergency treatment for a cracked molar. Incident date 7 November 2026; notified 21 November 2026; assessed loss $775. Facts: Kwame's records show treatment for the same condition 9 months before the policy start date. The problem began while Kwame was trekking at an altitude of 3,690 metres. The schedule shows that the Adventure Sports extension was purchased. The trip was booked through an online travel agent.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_waiting": "Decline: the incident happened during the waiting period (§ 12(2))", "pay_sublimit": "Pay up to the Dental treatment sublimit (§ 9(2))", "deny_late": "Decline: the claim was notified too late (§ 20(2))", "deny_hazardous": "Decline under the hazardous activities exclusion (§ 9(5))", "pay_limit": "Pay up to the Emergency Medical Expenses limit"}, "src": "hard_long_policy", "label": "pay_sublimit"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$250", "b": "$24,750", "c": "$775", "d": "$525", "e": "$0"}, "src": "hard_long_policy", "label": "a"}}, "_meta": {"id": "hard-v1/long_policy/development/00083", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00083", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "travel", "target": "pay_sublimit", "category": "medical", "tempting": "hazardous", "facts": {"domain": "travel", "fee_order": "before", "notice_days": 21, "categories": {"baggage": {"limit": 2000, "fee": 100, "waiting": 0, "purchased": true}, "medical": {"limit": 25000, "fee": 250, "waiting": 0, "purchased": true}, "cancellation": {"limit": 3000, "fee": 100, "waiting": 14, "purchased": true}, "delay": {"limit": 300, "fee": 25, "waiting": 0, "purchased": true}}, "classes": {"valuables": {"category": "baggage", "cap": 250}, "sports": {"category": "baggage", "cap": 450}, "dental": {"category": "medical", "cap": 250}, "physio": {"category": "medical", "cap": 500}, "excursions": {"category": "cancellation", "cap": 200}}, "exclusions": [{"key": "unattended", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "confiscation", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pre_existing", "categories": ["medical"], "kind": "threshold", "thr": 6, "cmp": "le", "has_exception": false}, {"key": "hazardous", "categories": ["medical"], "kind": "threshold", "thr": 3000, "cmp": "gt", "has_exception": true}, {"key": "intoxication", "categories": ["medical"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "known_event", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "change_of_mind", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "short_delay", "categories": ["delay"], "kind": "threshold", "thr": 12, "cmp": "le", "has_exception": false}], "case": {"category": "medical", "item": "the molar treatment", "item_class": "dental", "loss_cents": 77500, "start": "2026-04-16", "incident": "2026-11-07", "reported": "2026-11-21", "conditions": {}, "values": {"pre_existing": 9, "hazardous": 3690}, "exceptions": {"hazardous": true}}, "options_q": {"outcome": {"deny_waiting": "deny_waiting", "pay_sublimit": "pay_sublimit", "deny_late": "deny_late", "deny_hazardous": "deny_hazardous", "pay_limit": "pay_limit"}, "amount": {"a": 25000, "b": 2475000, "c": 77500, "d": 52500, "e": 0}}}, "text_sha256": "292801b87ddbe1388757c2b62b6b07f0db5005afba96510583f5ef0fcc5ab77f", "state_tokens": 2497}}
{"state": "MEMO\nRe: Comparing odds\n\nThere is a forty percent chance that the server patch installs without errors. There is a fifty percent chance that the audit finds no issues; these two are independent. There is a twenty-one percent chance that a new customer renews after the trial.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which is more likely?", "criteria": {"second_event": "That a new customer renews after the trial", "equally_likely": "They are equally likely", "first_event": "Both of these happen: the server patch installs without errors, and the audit finds no issues"}, "src": "hard_probability", "label": "second_event"}}, "_meta": {"id": "hard-v1/probability/development/00098", "source": "hard_probability", "group_id": "hard-v1/probability/development/00098", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "compare", "facts": {"kind": "compare", "p": {}, "a": {"op": "and", "p1": "40/100", "p2": "50/100"}, "b": "21/100", "options_q": {"choice": {"second_event": "second_event", "equally_likely": "equally_likely", "first_event": "first_event"}}}, "text_sha256": "932bcabd4fe1071df0844821d6b5d4369fb7ded198f6d74ab42aca7c3c6fbbe5", "state_tokens": 58}}
{"state": "GADGET COVER: TERMS AND CONDITIONS\nIssued by Tessera Warranty Company\nIn this policy, \"the Provider\" means Tessera Warranty Company and \"the Customer\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Accessories means cases, chargers, earbuds and styluses.\n(2) Accessories means cases, chargers and earbuds.\n(3) Assessed loss means the cost of repair or replacement agreed by the Provider, before any service fee, limit or sublimit is applied.\n(4) Battery replacement means replacement batteries and battery repairs.\n(5) Breakdown means the failure of a part to work as the manufacturer intended, from an internal electrical or mechanical fault.\n(6) Business day means Monday to Friday, excluding public holidays.\n(7) Device means the item shown in the schedule, bought new from an authorised retailer.\n(8) Family means the Customer's spouse or partner and any children who live with the Customer.\n(9) Incident means a single event, or a series of events arising from one cause.\n(10) Limit means the most the Provider will pay for all claims under a section arising from one incident.\n(11) Manufacturer's warranty period means the first 24 months after the device was bought.\n(12) Policy period means twelve months from the policy start date shown in the Customer's schedule.\n(13) Premium means the amount the Customer must pay for this policy, including any taxes.\n(14) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(15) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(16) Replacement device means a device of the same or similar specification, which may be refurbished.\n(17) Schedule means the document issued with this policy that shows the Customer's details, the covers the Customer bought and any extensions.\n(18) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(19) Wearables means smartwatches and fitness trackers.\n\n§ 2  Limits and service fee\n(1) Accidental Damage: limit $1,500 per incident; service fee $49 per claim.\n(2) Breakdown: limit $600 per incident; service fee $25 per claim.\n(3) Theft and Loss: limit $800 per incident; service fee $99 per claim.\n(4) The service fee is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Interest\n(1) The Provider will not pay interest on any claim payment unless the law requires it.\n\n§ 4  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Provider may adjust the premium from the date of the change.\n\n§ 5  Records and evidence\n(1) The Customer should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Provider may base any settlement on the price of a comparable item.\n(3) The Provider may ask for evidence of how and when an item was acquired.\n\n§ 6  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Provider may charge the premium without the discount from that date.\n\n§ 7  Breakdown\n(1) The Provider will repair or replace the Customer's device if it stops working because of an electrical or mechanical fault.\n(2) No cover applies under this section to any incident that happens within the first 45 days after the policy start date.\n(3) The most the Provider will pay for Battery replacement under this section is $80 per incident.\n(4) The Provider will not pay for breakdowns during the manufacturer's warranty period.\n(5) The Provider will not pay for breakdown caused by liquid getting into the device.\n\n§ 8  Premium payment\n(1) The Customer must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Provider may cancel the policy after giving notice.\n\n§ 9  Waiver\n(1) If the Provider does not enforce any term of this policy, that does not mean the Provider has given up the right to enforce it later.\n\n§ 10  Market conditions\n(1) If the replacement item is no longer available, the Provider will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 11  Sanctions\n(1) The Provider will not provide cover or pay any claim to the extent that doing so would expose the Provider to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 12  Accidental Damage\n(1) The Provider will repair or replace the Customer's device if it is accidentally damaged.\n(2) The most the Provider will pay for Accessories under this section is $50 per incident.\n(3) The most the Provider will pay for Wearables under this section is $300 per incident.\n(4) The Provider will not pay for cosmetic damage, such as scratches or dents, that does not affect how the device works.\n(5) The Provider will not pay for damage following a repair by anyone other than the Provider or an authorised repairer. This exclusion does not apply if the Provider approved the repair in writing beforehand.\n\n§ 13  Communication\n(1) The Provider will communicate with the Customer in English.\n(2) The Provider may record telephone calls for training and quality purposes.\n\n§ 14  Assignment\n(1) The Customer cannot transfer the Customer's interest in this policy to anyone else without the Provider's written consent.\n\n§ 15  Cancellation\n(1) The Customer can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Customer can cancel at any time; the Provider will refund the premium for the unexpired period less an administration charge of $30.\n(3) The Provider can cancel this policy by giving the Customer 30 days' written notice to the last address the Provider holds.\n\n§ 16  Inflation\n(1) The Provider may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Customer's renewal documents; limits do not change during a policy period.\n\n§ 17  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Provider will not pay the claim and all cover under this policy may be cancelled.\n(2) The Provider may share information with fraud prevention agencies and other insurers.\n\n§ 18  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 19  Reasonable precautions\n(1) The Customer must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Customer must take reasonable steps to recover lost or stolen property.\n\n§ 20  Instalment agreements\n(1) If the Customer pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 21  Unrecoverable devices\n(1) If a device is found after the Provider has replaced it, the found device becomes the Provider's property and must be sent to the Provider.\n(2) The Provider may block devices reported as lost or stolen so that they cannot be used on mobile networks.\n\n§ 22  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 23  Subrogation\n(1) The Provider will be entitled to take over and conduct in the Customer's name the defence or settlement of any claim.\n(2) The Provider can take action in the Customer's name to recover any payment the Provider makes from anyone responsible for the loss.\n\n§ 24  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 25  Salvage\n(1) When the Provider replaces an item, the damaged or recovered item becomes the Provider's property.\n(2) If stolen property is recovered after the Provider has paid a claim, the Customer must tell the Provider and either return the payment or give the Provider the property.\n\n§ 26  Replacement devices\n(1) If the Provider cannot repair the Customer's device economically, the Provider will replace it with a replacement device.\n(2) Replacement devices may be a different colour and may be refurbished to an as-new standard.\n(3) Accessories are replaced only if they were lost or damaged in the same incident as the device.\n\n§ 27  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 28  Change of address\n(1) The Customer must tell the Provider within 30 days if the Customer changes the Customer's address.\n(2) The Provider may change the premium or the terms from the date of the move.\n\n§ 29  Arbitration\n(1) If the Provider accepts a claim but disagree with the Customer about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Provider.\n\n§ 30  Customer support\n(1) The Provider's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Customer can leave a message and the Provider will call back on the next working day.\n\n§ 31  Data protection\n(1) The Provider will use the personal information the Customer provides to administer this policy and to handle claims.\n(2) The Provider will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Customer can ask for a copy of the personal information the Provider holds by writing to the Provider's data protection officer.\n\n§ 32  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 33  Cooperation\n(1) The Customer must give the Provider all the help and information the Provider reasonably need to settle a claim.\n(2) The Customer must not admit liability or offer to settle any claim without the Provider's written permission.\n\n§ 34  Optional cover: Theft and Loss\n(1) The Provider will replace the Customer's device if it is stolen or lost.\n(2) This section applies only if it is shown as purchased in the Customer's schedule.\n(3) The most the Provider will pay for Accessories under this section is $100 per incident.\n(4) The Provider will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Provider will not pay for theft that was not reported to the police.\n\n§ 35  Repair process\n(1) After a claim is accepted, the Provider will send a prepaid mailer or book a courier collection.\n(2) The Provider aims to return repaired devices within 15 business days of receiving them.\n\n§ 36  General exclusions\n(1) The Provider will not pay for loss arising from a government order or sanction that prohibits the Provider from paying.\n(2) The Provider will not pay for loss caused by nuclear radiation or radioactive contamination.\n(3) The Provider will not pay for loss or damage caused by war, invasion, or civil war.\n(4) The Provider will not pay for any deliberate or criminal act by the Customer.\n(5) The Provider will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(6) The Provider will not pay for any fraudulent claim or any claim supported by false documents.\n\n§ 37  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 38  Making a claim\n(1) The Provider may appoint a loss adjuster to investigate any claim.\n(2) The Customer must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Customer must notify the Provider of a claim within 21 days of the incident. The Provider will not pay any claim notified after that time.\n\n§ 39  Renewal\n(1) The Provider will write to the Customer at least 21 days before the end of the policy period with the renewal terms.\n(2) The Provider is not obliged to offer renewal.\n\n§ 40  Recovery of costs\n(1) If the Provider pays a claim that is later found not to be covered, the Provider may ask the Customer to repay the amount.\n\n§ 41  Software support\n(1) The Provider's helpline can give advice on setting up and using the Customer's device.\n(2) Software support does not include fixing problems caused by third-party apps or unofficial operating systems.\n\n=== CLAIM ===\nClaim summary: Dmitri Fischer; policy K952688; policy start 31 March 2026; schedule covers Accidental Damage, Breakdown; extensions none. Section claimed: Accidental Damage, for a tablet. Incident date 22 October 2026; notified 28 October 2026; assessed loss $540.40. Facts: The tablet had previously been opened by an independent repair shop. The provider had approved that repair in writing before it was carried out. Dmitri uses the device mainly for work.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"not_covered": "Decline: Accidental Damage is not a cover shown in the schedule", "pay_less_fee": "Pay the assessed loss less the service fee", "deny_cosmetic_damage": "Decline under the cosmetic damage exclusion (§ 12(4))", "deny_unauthorised_repair": "Decline under the unauthorised repairs exclusion (§ 12(5))", "pay_limit": "Pay up to the Accidental Damage limit"}, "src": "hard_long_policy", "label": "pay_less_fee"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$540.40", "b": "$1,451", "c": "$491.40", "d": "$1", "e": "$1,500"}, "src": "hard_long_policy", "label": "c"}}, "_meta": {"id": "hard-v1/long_policy/development/00082", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00082", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "device", "target": "pay_less_fee", "category": "accidental_damage", "tempting": "unauthorised_repair", "facts": {"domain": "device", "fee_order": "before", "notice_days": 21, "categories": {"accidental_damage": {"limit": 1500, "fee": 49, "waiting": 0, "purchased": true}, "breakdown": {"limit": 600, "fee": 25, "waiting": 45, "purchased": true}, "theft_loss": {"limit": 800, "fee": 99, "waiting": 0, "purchased": false}}, "classes": {"accessories": {"category": "accidental_damage", "cap": 50}, "wearables": {"category": "accidental_damage", "cap": 300}, "battery": {"category": "breakdown", "cap": 80}, "accessories_tl": {"category": "theft_loss", "cap": 100}}, "exclusions": [{"key": "cosmetic_damage", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unauthorised_repair", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "manufacturer_warranty", "categories": ["breakdown"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}, {"key": "liquid", "categories": ["breakdown"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unattended", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "no_police_report", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "accidental_damage", "item": "the tablet", "item_class": null, "loss_cents": 54040, "start": "2026-03-31", "incident": "2026-10-22", "reported": "2026-10-28", "conditions": {"unauthorised_repair": true}, "values": {}, "exceptions": {"unauthorised_repair": true}}, "options_q": {"outcome": {"not_covered": "not_covered", "pay_less_fee": "pay_less_fee", "deny_cosmetic_damage": "deny_cosmetic_damage", "deny_unauthorised_repair": "deny_unauthorised_repair", "pay_limit": "pay_limit"}, "amount": {"a": 54040, "b": 145100, "c": 49140, "d": 100, "e": 150000}}}, "text_sha256": "e5968b9827d5747c7ed4dac8d5ba8543e28913efd8635a4e6587281f0e7dda75", "state_tokens": 3155}}
{"state": "REVIEW REQUEST\nItem: Posts are placed every 8 metres along a straight 80-metre fence, with a post at both ends. How many posts are needed?\nSubmitted result: Pretty sure it's 12 posts", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "11 posts", "b": "640 posts", "c": "10 posts", "d": "12 posts", "e": "13 posts"}, "src": "hard_judge", "label": "a"}}, "_meta": {"id": "hard-v1/judge/development/00000", "source": "hard_judge", "group_id": "hard-v1/judge/development/00000", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "fence", "error": "double_end", "facts": {"kind": "fence", "args": {"length": 80, "gap": 8}, "dp": 0, "proposed": 12, "error": "double_end", "options_q": {"value": {"a": 11, "b": 640, "c": 10, "d": 12, "e": 13}}}, "text_sha256": "ba85f7416998320351adc01f128b0ed432a388e74a819d314488fb46e78c2146", "state_tokens": 48}}
{"state": "MEMO\nRe: Approval\n\nPurchases under $500 need no approval. Purchases from $500 up to $10,000 must be approved by a Manager or more senior; purchases above $10,000 must be approved by a Director or more senior. Seniority: Analyst, Engineer, Manager, Senior Manager, Director, Vice President, Chief Executive. Rafael Brennan submitted a purchase of $225 for conference travel. The purchase was approved by Jae Abara.\n\nJae Abara's job title is not listed in the directory. Hugo Iyer, who leads the travel desk, is a Director.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "approval_valid": "The purchase is properly approved", "approval_invalid": "The approval is not valid under the rule"}, "src": "hard_ambiguous", "label": "approval_valid"}}, "_meta": {"id": "hard-v1/ambiguous/development/00041", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00040", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "approval", "twin": "absent", "absent_kind": "nondeciding", "explicit_unknown": true, "facts": {"scenario": "approval", "insufficient_key": "not_enough_information", "params": {"amount": 225, "no_approval_below": 500, "director_above": 10000, "title": null}, "deciding_present": false, "options_q": {"decision": {"not_enough_information": "not_enough_information", "approval_valid": "approval_valid", "approval_invalid": "approval_invalid"}}}, "text_sha256": "5602554ac4c5921dfff554ea043e806b71ad33510aceb806fd56edea4dcc94b9", "state_tokens": 135}}
{"state": "SINGLE-TRIP TRAVEL PROTECTION PLAN\nIssued by Bluewater Assurance\nIn this policy, \"the Insurer\" means Bluewater Assurance and \"the Insured Person\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Dental treatment means treatment of the teeth or gums.\n(2) Excursions and tickets means pre-booked excursions, tours, and event or theatre tickets.\n(3) Family means the Insured Person's spouse or partner and any children who live with the Insured Person.\n(4) Hazardous activity means skydiving, motor racing, or trekking or climbing above 4,500 metres.\n(5) Physiotherapy means treatment of muscles and joints by a physiotherapist.\n(6) Pre-existing condition means any illness or injury for which the Insured Person received treatment or advice in the 3 months before the policy start date.\n(7) Qualifying delay means a delay to the scheduled departure of more than 12 hours.\n(8) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(9) Sports equipment means skis, snowboards, golf clubs, surfboards and bicycles.\n(10) Valuables means laptops, tablets, mobile phones, cameras, watches and jewellery.\n\n§ 2  Limits and excess\n(1) Baggage and Personal Belongings: limit $3,000 per incident; excess $100 per claim.\n(2) Emergency Medical Expenses: limit $10,000 per incident; excess $100 per claim.\n(3) Trip Cancellation: limit $2,000 per incident; excess $100 per claim.\n(4) Travel Delay: limit $750 per incident; excess $50 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Trip Cancellation\n(1) The Insurer will pay non-refundable travel and accommodation costs if the Insured Person must cancel the trip for a reason beyond the Insured Person's control.\n(2) No cover applies under this section to any incident that happens within the first 10 days after the policy start date.\n(3) The most the Insurer will pay for Excursions and tickets under this section is $200 per incident.\n(4) The Insurer will not pay for cancellation caused by a strike or other event that had been publicly announced before the Insured Person bought the policy.\n(5) The Insurer will not pay for cancellation because the Insured Person no longer wish to travel.\n\n§ 4  Baggage and Personal Belongings\n(1) The Insurer will pay for the loss of, theft of, or damage to the Insured Person's baggage and personal belongings during the trip.\n(2) The most the Insurer will pay for Valuables under this section is $400 per incident.\n(3) The most the Insurer will pay for Sports equipment under this section is $450 per incident.\n(4) The Insurer will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Insurer will not pay for loss caused by confiscation or detention by customs or other officials.\n(6) The Insurer will not pay for damage caused by wear and tear or gradual deterioration.\n\n§ 5  Emergency Medical Expenses\n(1) The Insurer will pay reasonable and necessary emergency medical costs incurred during the trip.\n(2) The most the Insurer will pay for Dental treatment under this section is $250 per incident.\n(3) The most the Insurer will pay for Physiotherapy under this section is $500 per incident.\n(4) The Insurer will not pay for treatment of a pre-existing condition.\n(5) The Insurer will not pay for injury or illness arising from a hazardous activity. This exclusion does not apply if the Adventure Sports extension is shown in the Insured Person's schedule.\n(6) The Insurer will not pay for any claim arising from the Insured Person's being under the influence of alcohol or drugs.\n\n§ 6  Optional cover: Travel Delay\n(1) The Insurer will pay reasonable costs of meals and accommodation if the Insured Person's outbound departure is delayed.\n(2) This section applies only if it is shown as purchased in the Insured Person's schedule.\n(3) The Insurer will not pay for any delay that is not a qualifying delay.\n\n§ 7  General exclusions\n(1) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n(2) The Insurer will not pay for any deliberate or criminal act by the Insured Person.\n(3) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n\n§ 8  Making a claim\n(1) The Insured Person must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Insurer may appoint a loss adjuster to investigate any claim.\n(3) The Insured Person must notify the Insurer of a claim within 30 days of the incident. The Insurer will not pay any claim notified after that time.\n\n§ 9  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Insured Person must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 10  Inflation\n(1) The Insurer may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Insured Person's renewal documents; limits do not change during a policy period.\n\n§ 11  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 12  Emergency assistance\n(1) The Insurer's emergency assistance service is available 24 hours a day on the number shown in the schedule.\n(2) The Insured Person must contact the assistance service before being admitted to hospital as an in-patient, unless it is an emergency.\n(3) The assistance service can arrange payment guarantees, interpreters and transport home.\n\n=== CLAIM ===\nClaim summary: Idris Delgado; policy B457707; policy start 8 November 2025; schedule covers Baggage and Personal Belongings, Emergency Medical Expenses, Trip Cancellation; extensions Adventure Sports extension. Section claimed: Emergency Medical Expenses, for emergency treatment for a cracked molar. Incident date 10 May 2026; notified 31 May 2026; assessed loss $510.25. Facts: Idris's records show treatment for the same condition 6 months before the policy start date. The problem began while Idris was trekking at an altitude of 5,653 metres. The schedule shows that the Adventure Sports extension was purchased. Idris was travelling with two colleagues.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_hazardous": "Decline under the hazardous activities exclusion (§ 5(5))", "deny_pre_existing": "Decline under the pre-existing conditions exclusion (§ 5(4))", "not_covered": "Decline: Emergency Medical Expenses is not a cover shown in the schedule", "pay_sublimit": "Pay up to the Dental treatment sublimit (§ 5(2))", "pay_limit": "Pay up to the Emergency Medical Expenses limit"}, "src": "hard_long_policy", "label": "pay_sublimit"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$410.25", "b": "$250", "c": "$9,900", "d": "$510.25", "e": "$150"}, "src": "hard_long_policy", "label": "b"}}, "_meta": {"id": "hard-v1/long_policy/development/00067", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00067", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "travel", "target": "pay_sublimit", "category": "medical", "tempting": "hazardous", "facts": {"domain": "travel", "fee_order": "before", "notice_days": 30, "categories": {"baggage": {"limit": 3000, "fee": 100, "waiting": 0, "purchased": true}, "medical": {"limit": 10000, "fee": 100, "waiting": 0, "purchased": true}, "cancellation": {"limit": 2000, "fee": 100, "waiting": 10, "purchased": true}, "delay": {"limit": 750, "fee": 50, "waiting": 0, "purchased": false}}, "classes": {"valuables": {"category": "baggage", "cap": 400}, "sports": {"category": "baggage", "cap": 450}, "dental": {"category": "medical", "cap": 250}, "physio": {"category": "medical", "cap": 500}, "excursions": {"category": "cancellation", "cap": 200}}, "exclusions": [{"key": "unattended", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "confiscation", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pre_existing", "categories": ["medical"], "kind": "threshold", "thr": 3, "cmp": "le", "has_exception": false}, {"key": "hazardous", "categories": ["medical"], "kind": "threshold", "thr": 4500, "cmp": "gt", "has_exception": true}, {"key": "intoxication", "categories": ["medical"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "known_event", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "change_of_mind", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "short_delay", "categories": ["delay"], "kind": "threshold", "thr": 12, "cmp": "le", "has_exception": false}], "case": {"category": "medical", "item": "the molar treatment", "item_class": "dental", "loss_cents": 51025, "start": "2025-11-08", "incident": "2026-05-10", "reported": "2026-05-31", "conditions": {}, "values": {"pre_existing": 6, "hazardous": 5653}, "exceptions": {"hazardous": true}}, "options_q": {"outcome": {"deny_hazardous": "deny_hazardous", "deny_pre_existing": "deny_pre_existing", "not_covered": "not_covered", "pay_sublimit": "pay_sublimit", "pay_limit": "pay_limit"}, "amount": {"a": 41025, "b": 25000, "c": 990000, "d": 51025, "e": 15000}}}, "text_sha256": "61413316d2b992d718e588e31f4a689910ac646737e76d0d7a1c2f156bdadadf", "state_tokens": 1616}}
{"state": "MEMO\nRe: Alert precision\n\nA security system raises alerts on login attempts. Historically, one percent of login attempts are malicious. When one of the login attempts is malicious, the system raises an alert on it ninety-five percent of the time.\n\nWhen one of the login attempts is not malicious, the system still raises an alert on it two percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that one of the login attempts that the system has raised an alert on is actually malicious?", "criteria": {"a": "1.0%", "b": "95.0%", "c": "93.0%", "d": "98.0%", "e": "32.4%"}, "src": "hard_probability", "label": "e"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that one of the login attempts that the system has raised an alert on is malicious?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 2}}, "_meta": {"id": "hard-v1/probability/development/00038", "source": "hard_probability", "group_id": "hard-v1/probability/development/00038", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "bayes", "facts": {"kind": "bayes", "p": {"base": "1/100", "sens": "95/100", "fpr": "2/100"}, "options_q": {"value": {"a": 10, "b": 950, "c": 930, "d": 980, "e": 324}}, "qid2": "bucket"}, "text_sha256": "08b9f11cba79e03b3c9e4b8fb3998925651b668ce5385b44b7913fbb4cb8eace", "state_tokens": 76}}
{"state": "MEMO\nRe: Invoice payment timing\n\nA late fee applies when payment arrives more than 45 days after the invoice date. Payment reached the account on 16 November 2025. Invoice 92920 was issued on 14 October 2025.", "questions": {"days": {"type": "choice", "instructions": "Number of days from invoice to payment:", "criteria": {"a": "34 days", "b": "35 days", "c": "31 days", "d": "32 days", "e": "33 days"}, "src": "hard_temporal_numeric", "label": "e"}, "late": {"type": "noul", "instructions": "Should the late fee be charged?", "src": "hard_temporal_numeric", "label": false}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00049", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00049", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "diff", "facts": {"kind": "diff", "invoice": "2025-10-14", "paid": "2025-11-16", "limit": 45, "options_q": {"days": {"a": 34, "b": 35, "c": 31, "d": 32, "e": 33}}}, "text_sha256": "fc4e177d99bd7f233b51e387adcca766f59e55ae670985ea814c3f8edaf889a5", "state_tokens": 62}}
{"state": "MEMO\nRe: Tenure\n\nEmployees are eligible for a sabbatical once they have completed 3 years of continuous employment with the company on the date they apply. Owen Gallagher applied for the sabbatical on February 22, 2025. Owen's start date with the company is not in the file.\n\nOwen moved to the Data Platform team on September 4, 2021. Owen's manager supports the application.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"eligible": "Eligible for the sabbatical", "not_eligible": "Not yet eligible", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "eligible"}}, "_meta": {"id": "hard-v1/ambiguous/development/00097", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00096", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "tenure", "twin": "absent", "absent_kind": "nondeciding", "explicit_unknown": true, "facts": {"scenario": "tenure", "insufficient_key": "not_enough_information", "params": {"years": 3, "apply": "2025-02-22", "hired": null, "moved": "2021-09-04"}, "deciding_present": false, "options_q": {"decision": {"eligible": "eligible", "not_eligible": "not_eligible", "not_enough_information": "not_enough_information"}}}, "text_sha256": "902b1c7b8e721b9d69803cbe177587041a53f9face42249ba6cf5e35f17ddd7a", "state_tokens": 95}}
{"state": "MEMO\nRe: Return window\n\nReturns are accepted if the return request is made within 30 days of delivery. Wen Bauer ordered a standing desk on 16 March 2026. The delivery date is not recorded on the order.\n\nWen asked to return it on 4 May 2026. The desk is unused and in its original packaging.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "reject_return": "Reject the return as outside the window", "accept_return": "Accept the return"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00061", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00060", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "return_window", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": true, "facts": {"scenario": "return_window", "insufficient_key": "not_enough_information", "params": {"window": 30, "order": "2026-03-16", "delivered": null, "request": "2026-05-04"}, "deciding_present": false, "options_q": {"decision": {"not_enough_information": "not_enough_information", "reject_return": "reject_return", "accept_return": "accept_return"}}}, "text_sha256": "39b25a08df5ab511080943f6df17a8d726e09d02969567179cca634d0f1a590a", "state_tokens": 79}}
{"state": "MEMO\nRe: Alert from push gateway\n\nPaging rule: an alert pages the owning team's primary on-call; if the primary is on leave that day, it pages the secondary; if the secondary is also on leave, it pages the team's engineering manager. This week's Data Platform primary on-call is Sana and the secondary is Lotte. Alerts from the cart service are owned by the Storage team.\n\nThe Storage engineering manager is Nadia. This week's Storage primary on-call is Samir and the secondary is Felix. Rafael is on leave from January 25, 2027 to January 31, 2027 inclusive.\n\nThe Search engineering manager is Tomas. Alerts from the ranking model are owned by the Data Platform team. This week's Search primary on-call is Rafael and the secondary is Kwame.\n\nAlerts from the login service are owned by the Data Platform team. The Data Platform engineering manager is Yusuf. Samir is on leave from January 24, 2027 to January 31, 2027 inclusive.\n\nAlerts from the push gateway are owned by the Search team. Sana is on leave from January 28, 2027 to February 2, 2027 inclusive. On January 29, 2027, an alert fired from the push gateway.", "questions": {"paged": {"type": "choice", "instructions": "Who is the right person to page?", "criteria": {"kwame": null, "tomas": null, "rafael": null, "samir": null}, "src": "hard_multi_hop", "label": "kwame"}}, "_meta": {"id": "hard-v1/multi_hop/development/00021", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00021", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "oncall", "facts": {"kind": "oncall", "routes": {"ranking model": "Data Platform", "cart service": "Storage", "push gateway": "Search", "login service": "Data Platform"}, "primary": {"Data Platform": "Sana", "Storage": "Samir", "Search": "Rafael"}, "secondary": {"Data Platform": "Lotte", "Storage": "Felix", "Search": "Kwame"}, "manager": {"Data Platform": "Yusuf", "Storage": "Nadia", "Search": "Tomas"}, "leave": {"Rafael": [["2027-01-25", "2027-01-31"]], "Sana": [["2027-01-28", "2027-02-02"]], "Samir": [["2027-01-24", "2027-01-31"]]}, "component": "push gateway", "date": "2027-01-29", "options_q": {"paged": {"kwame": "kwame", "tomas": "tomas", "rafael": "rafael", "samir": "samir"}}}, "text_sha256": "e421e0ac18de5083e9d62e355bd3c8c5ed6d30facd8a00746eec9bd265ca290d", "state_tokens": 289}}
{"state": "REVIEW REQUEST\nItem: After a 10% discount, a jacket costs $546.30. What was the price before the discount, to the nearest cent?\nSubmitted result: $607.00", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$600.93", "b": "$556.30", "c": "$607.00", "d": "$607.01", "e": "$491.67"}, "src": "hard_judge", "label": "c"}}, "_meta": {"id": "hard-v1/judge/development/00097", "source": "hard_judge", "group_id": "hard-v1/judge/development/00097", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "reverse_pct", "error": null, "facts": {"kind": "reverse_pct", "args": {"after": "5463/10", "p": "1/10"}, "dp": 2, "proposed": 60700, "error": null, "options_q": {"value": {"a": 60093, "b": 55630, "c": 60700, "d": 60701, "e": 49167}}}, "text_sha256": "2bede10cda8f48bbca55739846f351437f8a9d31aea02a05109fda0c186978ec", "state_tokens": 49}}
{"state": "MEMO\nRe: Outage: catalog-api\n\nOutages propagate along hard dependencies: if a service goes down, every service that depends on it, directly or through other hard dependencies, is affected. Soft dependencies do not propagate outages. reporting-etl depends on billing-api. payments-gateway depends on order-queue.\n\ncatalog-api depends on inventory-db. fraud-scorer depends on session-cache. order-queue depends on catalog-api.\n\nsession-cache depends on billing-api. user-profile depends on catalog-api (soft dependency: it degrades gracefully and keeps working if catalog-api is down). catalog-api is currently down.", "questions": {"affected": {"type": "choice", "instructions": "Which of these will the outage reach?", "criteria": {"payments_gateway": null, "user_profile": null, "reporting_etl": null, "inventory_db": null}, "src": "hard_multi_hop", "label": "payments_gateway"}}, "_meta": {"id": "hard-v1/multi_hop/development/00050", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00050", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "deps", "hops": 2, "soft": true, "facts": {"kind": "deps", "edges": [["order-queue", "catalog-api", false], ["payments-gateway", "order-queue", false], ["catalog-api", "inventory-db", false], ["session-cache", "billing-api", false], ["reporting-etl", "billing-api", false], ["user-profile", "catalog-api", true], ["fraud-scorer", "session-cache", false]], "down": "catalog-api", "candidates": ["payments-gateway", "inventory-db", "reporting-etl", "user-profile"], "options_q": {"affected": {"payments_gateway": "payments_gateway", "user_profile": "user_profile", "reporting_etl": "reporting_etl", "inventory_db": "inventory_db"}}}, "text_sha256": "c7a001d8e8a40b17608b245c57de046356767eb6666a8dafb87f565d573b2d47", "state_tokens": 128}}
{"state": "MEMO\nRe: Comparing odds\n\nThere is a fifty percent chance that the shipment clears customs on the first day. There is a fifty percent chance that the audit finds no issues; these two are independent. There is a twenty-two percent chance that a new customer renews after the trial.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which is more likely?", "criteria": {"equally_likely": "They are equally likely", "second_event": "That a new customer renews after the trial", "first_event": "Both of these happen: the shipment clears customs on the first day, and the audit finds no issues"}, "src": "hard_probability", "label": "first_event"}}, "_meta": {"id": "hard-v1/probability/development/00052", "source": "hard_probability", "group_id": "hard-v1/probability/development/00052", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "compare", "facts": {"kind": "compare", "p": {}, "a": {"op": "and", "p1": "50/100", "p2": "50/100"}, "b": "11/50", "options_q": {"choice": {"equally_likely": "equally_likely", "second_event": "second_event", "first_event": "first_event"}}}, "text_sha256": "1a88d5109f2992472e1d4f06c709556b49a8f12b488c6cc8dce9059eb10898f1", "state_tokens": 60}}
{"state": "MEMO\nRe: Recurring schedule\n\nThe payroll run happens every week on the same weekday. The first run of the year was on Saturday 16 May 2026. Question concerns the 7th run of the year, counting the first run as run 1.", "questions": {"date": {"type": "choice", "instructions": "Date of the requested occurrence:", "criteria": {"a": "20 June 2026", "b": "27 June 2026", "c": "4 July 2026", "d": "28 June 2026"}, "src": "hard_temporal_numeric", "label": "b"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00067", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00067", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "recurring_every_n_weeks", "facts": {"kind": "recurring", "pattern": "every_n_weeks", "first": "2026-05-16", "n": 1, "k": 7, "options_q": {"date": {"a": "2026-06-20", "b": "2026-06-27", "c": "2026-07-04", "d": "2026-06-28"}}}, "text_sha256": "050d4909ba805e6977e9cf05a8f37fd675d6d2cb4ba1d845d1e458f37d8f537b", "state_tokens": 59}}
{"state": "SPEC SHEET: a marketing agency for the spring campaign\nNorthlight Studio | fee=$16,000 | lead time=5 weeks | portfolio rating=6/10 | vendor stability score=9/10 | reliability score=4/10 | support quality score=5/10 | B2B campaign experience=yes | in-house video production=yes\nBrightside Creative | fee=$14,000 | lead time=3 weeks | portfolio rating=8/10 | vendor stability score=9/10 | reliability score=10/10 | support quality score=9/10 | B2B campaign experience=yes | in-house video production=yes\nSignal & Co | fee=$28,500 | lead time=2 weeks | portfolio rating=5/10 | vendor stability score=8/10 | reliability score=9/10 | support quality score=7/10 | B2B campaign experience=yes | in-house video production=yes\nPaper Kite | fee=$6,000 | lead time=10 weeks | portfolio rating=10/10 | vendor stability score=7/10 | reliability score=5/10 | support quality score=4/10 | B2B campaign experience=yes | in-house video production=yes\nTallgrass Media | fee=$9,500 | lead time=6 weeks | portfolio rating=8/10 | vendor stability score=6/10 | reliability score=9/10 | support quality score=8/10 | B2B campaign experience=no | in-house video production=no\nR1: its lead time must be at most 2 weeks\nR2: it must offer B2B campaign experience\nSelection: Each option has been scored from 1 to 10 on vendor stability, reliability and support quality (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 50% vendor stability, 30% reliability, 20% support quality.", "questions": {"choice": {"type": "choice", "instructions": "Which agency best satisfies the brief?", "criteria": {"northlight_studio": null, "paper_kite": null, "signal_co": null, "brightside_creative": null, "tallgrass_media": null}, "src": "hard_tradeoff", "label": "signal_co"}, "meets": {"type": "noul", "instructions": "Is Tallgrass Media compliant with all the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00040", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00040", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "agency", "none_case": false, "facts": {"rule": "weighted", "options": {"Northlight Studio": {"cost": 16000, "lead": 5, "portfolio": 6, "b2b": true, "inhouse": true, "vendor stability": 9, "reliability": 4, "support quality": 5}, "Brightside Creative": {"cost": 14000, "lead": 3, "portfolio": 8, "b2b": true, "inhouse": true, "vendor stability": 9, "reliability": 10, "support quality": 9}, "Signal & Co": {"cost": 28500, "lead": 2, "portfolio": 5, "b2b": true, "inhouse": true, "vendor stability": 8, "reliability": 9, "support quality": 7}, "Paper Kite": {"cost": 6000, "lead": 10, "portfolio": 10, "b2b": true, "inhouse": true, "vendor stability": 7, "reliability": 5, "support quality": 4}, "Tallgrass Media": {"cost": 9500, "lead": 6, "portfolio": 8, "b2b": false, "inhouse": false, "vendor stability": 6, "reliability": 9, "support quality": 8}}, "constraints": [{"attr": "lead", "op": "<=", "value": 2}, {"attr": "b2b", "op": "is", "value": true}], "priority": [], "weights": {"vendor stability": 50, "reliability": 30, "support quality": 20}, "years": null, "check": "Tallgrass Media", "options_q": {"choice": {"northlight_studio": "northlight_studio", "paper_kite": "paper_kite", "signal_co": "signal_co", "brightside_creative": "brightside_creative", "tallgrass_media": "tallgrass_media"}}}, "text_sha256": "24588220a50df3c5306e9c2208b9984ca1cedeec43dede20fca3ab0c2ba2dfeb", "state_tokens": 433}}
{"state": "REVIEW REQUEST\nItem: After a 15% discount, a jacket costs $464.95. What was the price before the discount, to the nearest cent?\nSubmitted result: $534.69", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$534.69", "b": "$395.21", "c": "$534.70", "d": "$479.95", "e": "$547.00"}, "src": "hard_judge", "label": "e"}}, "_meta": {"id": "hard-v1/judge/development/00036", "source": "hard_judge", "group_id": "hard-v1/judge/development/00036", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "reverse_pct", "error": "wrong_base", "facts": {"kind": "reverse_pct", "args": {"after": "9299/20", "p": "3/20"}, "dp": 2, "proposed": 53469, "error": "wrong_base", "options_q": {"value": {"a": 53469, "b": 39521, "c": 53470, "d": 47995, "e": 54700}}}, "text_sha256": "d31c2115d48dc6b12e4df5674434baff156a34409f41ff827d90450d9c195012", "state_tokens": 49}}
{"state": "MEMO\nRe: Subscription cancellation\n\nA customer paid $600.00 for an annual plan running from 23 February 2027 up to (but not including) 23 February 2028. They cancelled on 27 September 2027. Refund rule: refund the annual price multiplied by the number of unused days and divided by the number of days in the plan year; the cancellation day counts as used. Round to the nearest cent.", "questions": {"refund": {"type": "choice", "instructions": "Refund due:", "criteria": {"a": "$250.00", "b": "$243.29", "c": "$242.62", "d": "$356.71", "e": "$244.93"}, "src": "hard_temporal_numeric", "label": "b"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00050", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00050", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "prorata", "leap": false, "facts": {"kind": "prorata", "start": "2027-02-23", "end": "2028-02-23", "cancel": "2027-09-27", "price_cents": 60000, "options_q": {"refund": {"a": 25000, "b": 24329, "c": 24262, "d": 35671, "e": 24493}}}, "text_sha256": "50c578027183c5be35d0a2645e4e08d3834f42d77bc07d4bd229b36e3a95176a", "state_tokens": 103}}
{"state": "MEMO\nRe: Return window\n\nReturns are accepted if the return request is made within 45 days of delivery. Petra Haddad ordered a standing desk on January 16, 2025. The desk was delivered on January 23, 2025.\n\nPetra asked to return it on March 15, 2025. The desk is unused and in its original packaging.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"reject_return": "Reject the return as outside the window", "accept_return": "Accept the return", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "reject_return"}}, "_meta": {"id": "hard-v1/ambiguous/development/00088", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00088", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "return_window", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "return_window", "insufficient_key": "not_enough_information", "params": {"window": 45, "order": "2025-01-16", "delivered": "2025-01-23", "request": "2025-03-15"}, "deciding_present": true, "options_q": {"decision": {"reject_return": "reject_return", "accept_return": "accept_return", "not_enough_information": "not_enough_information"}}}, "text_sha256": "10ae1f7d01d27ba1697eda025f9ad65ccb5b3230a5beade47051b00a40b38ed6", "state_tokens": 90}}
{"state": "MEMO\nRe: Approval routing\n\nPurchase requests of this size must be approved by the nearest person above the requester in the reporting line whose title is Senior Manager or more senior. Seniority, from junior to senior: Analyst, Engineer, Manager, Senior Manager, Director, Vice President, Chief Executive. Zainab reports to Mateo. Rafael reports to Zainab.\n\nLuca reports to Hana. Fiona reports to Luca. Wen reports to Rafael.\n\nSofia reports to Luca. Mateo is a Chief Executive. Wen is a Manager.\n\nHana is a Director. Ayla is a Director. Fiona is a Manager.\n\nLeila is a Manager. Sofia is a Manager. Zainab is a Vice President.\n\nRafael is a Director. Ines is a Senior Manager. Owen is a Manager.\n\nRavi is a Director. Luca is a Senior Manager. Aiko is a Vice President.\n\nOwen reports to Wen. Leila reports to Ines. Ravi reports to Aiko.\n\nAiko reports to Mateo. Ines reports to Ravi. Hana reports to Aiko.\n\nAyla reports to Ravi. Sofia has submitted a purchase request for $40,000.", "questions": {"approver": {"type": "choice", "instructions": "Which person has to approve the request?", "criteria": {"hana": null, "rafael": null, "luca": null, "mateo": null, "aiko": null}, "src": "hard_multi_hop", "label": "luca"}}, "_meta": {"id": "hard-v1/multi_hop/development/00073", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00073", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "org", "rule": "title", "hops": 4, "facts": {"kind": "org", "reports": {"Zainab": "Mateo", "Aiko": "Mateo", "Rafael": "Zainab", "Hana": "Aiko", "Ravi": "Aiko", "Wen": "Rafael", "Luca": "Hana", "Ines": "Ravi", "Ayla": "Ravi", "Owen": "Wen", "Sofia": "Luca", "Fiona": "Luca", "Leila": "Ines"}, "titles": {"Mateo": "Chief Executive", "Zainab": "Vice President", "Aiko": "Vice President", "Rafael": "Director", "Hana": "Director", "Ravi": "Director", "Wen": "Manager", "Luca": "Senior Manager", "Ines": "Senior Manager", "Ayla": "Director", "Owen": "Manager", "Sofia": "Manager", "Fiona": "Manager", "Leila": "Manager"}, "requester": "Sofia", "rule": "title", "min_title": "Senior Manager", "options_q": {"approver": {"hana": "hana", "rafael": "rafael", "luca": "luca", "mateo": "mateo", "aiko": "aiko"}}}, "text_sha256": "f2ae5dbba79845f3511dbf136f3da4dd3b67c2fb06646787ad9d02eeea04d076", "state_tokens": 258}}
{"state": "MEMO\nRe: Comparing odds\n\nThere is a fifty-five percent chance that the server patch installs without errors. There is a twenty-five percent chance that the supplier delivers on time; these two are independent. There is a seventeen percent chance that the candidate accepts the offer.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which is more likely?", "criteria": {"second_event": "That the candidate accepts the offer", "equally_likely": "They are equally likely", "first_event": "Both of these happen: the server patch installs without errors, and the supplier delivers on time"}, "src": "hard_probability", "label": "second_event"}}, "_meta": {"id": "hard-v1/probability/development/00027", "source": "hard_probability", "group_id": "hard-v1/probability/development/00027", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "compare", "facts": {"kind": "compare", "p": {}, "a": {"op": "and", "p1": "55/100", "p2": "25/100"}, "b": "17/100", "options_q": {"choice": {"second_event": "second_event", "equally_likely": "equally_likely", "first_event": "first_event"}}}, "text_sha256": "cf1f73d7cba219e67ffea16af45118f62fe8df5e3c68f9274d1763b426e6f51c", "state_tokens": 56}}
{"state": "MEMO\nRe: Outage: email-relay\n\nOutages propagate along hard dependencies: if a service goes down, every service that depends on it, directly or through other hard dependencies, is affected. Soft dependencies do not propagate outages. email-relay depends on auth-service. fraud-scorer depends on auth-service.\n\nledger-service depends on email-relay. notification-hub depends on pricing-engine. geo-lookup depends on ledger-service.\n\npricing-engine depends on user-profile. cdn-edge depends on geo-lookup. email-relay is currently down.", "questions": {"affected": {"type": "choice", "instructions": "Which of these will the outage reach?", "criteria": {"auth_service": null, "fraud_scorer": null, "cdn_edge": null, "pricing_engine": null}, "src": "hard_multi_hop", "label": "cdn_edge"}}, "_meta": {"id": "hard-v1/multi_hop/development/00031", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00031", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "deps", "hops": 3, "soft": false, "facts": {"kind": "deps", "edges": [["ledger-service", "email-relay", false], ["geo-lookup", "ledger-service", false], ["cdn-edge", "geo-lookup", false], ["email-relay", "auth-service", false], ["pricing-engine", "user-profile", false], ["fraud-scorer", "auth-service", false], ["notification-hub", "pricing-engine", false]], "down": "email-relay", "candidates": ["cdn-edge", "auth-service", "fraud-scorer", "pricing-engine"], "options_q": {"affected": {"auth_service": "auth_service", "fraud_scorer": "fraud_scorer", "cdn_edge": "cdn_edge", "pricing_engine": "pricing_engine"}}}, "text_sha256": "30aefd5574c0fecf824173850344d6d4d0ac8edcb2a030b37d75f33ba1a276b8", "state_tokens": 116}}
{"state": "MEMO\nRe: Reliability estimate\n\nA checkout succeeds only if all 2 independent steps succeed: the warehouse API, the payment gateway. The warehouse API succeeds eighty percent of the time. The payment gateway succeeds sixty percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that a checkout succeeds?", "criteria": {"a": "48.0%", "b": "92.0%", "c": "60.0%", "d": "52.0%", "e": "8.0%"}, "src": "hard_probability", "label": "a"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that a checkout succeeds?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 2}}, "_meta": {"id": "hard-v1/probability/development/00080", "source": "hard_probability", "group_id": "hard-v1/probability/development/00080", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "independent", "facts": {"kind": "independent", "p": {}, "ps": ["80/100", "60/100"], "ask": "all", "options_q": {"value": {"a": 480, "b": 920, "c": 600, "d": 520, "e": 80}}, "qid2": "bucket"}, "text_sha256": "0a4c919893f0a90160f104eb6f06c9d9efb653eb7918164b4611746a562ee801", "state_tokens": 49}}
{"state": "SPEC SHEET: a marketing agency for the spring campaign\nSignal & Co | fee=$16,000 | lead time=9 weeks | portfolio rating=10/10 | ease of use score=9/10 | support quality score=3/10 | documentation score=3/10 | B2B campaign experience=no | in-house video production=yes\nWildfern Agency | fee=$17,000 | lead time=6 weeks | portfolio rating=10/10 | ease of use score=10/10 | support quality score=8/10 | documentation score=10/10 | B2B campaign experience=yes | in-house video production=no\nBrightside Creative | fee=$5,500 | lead time=12 weeks | portfolio rating=4/10 | ease of use score=5/10 | support quality score=8/10 | documentation score=4/10 | B2B campaign experience=yes | in-house video production=yes\nR1: its fee must be at most $10,500\nR2: it must offer in-house video production\nSelection: Each option has been scored from 1 to 10 on ease of use, support quality and documentation (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 45% ease of use, 35% support quality, 20% documentation.", "questions": {"choice": {"type": "choice", "instructions": "Which agency best satisfies the brief?", "criteria": {"brightside_creative": null, "signal_co": null, "wildfern_agency": null}, "src": "hard_tradeoff", "label": "brightside_creative"}, "meets": {"type": "noul", "instructions": "Does Signal & Co meet every hard requirement?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00060", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00060", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "agency", "none_case": false, "facts": {"rule": "weighted", "options": {"Signal & Co": {"cost": 16000, "lead": 9, "portfolio": 10, "b2b": false, "inhouse": true, "ease of use": 9, "support quality": 3, "documentation": 3}, "Wildfern Agency": {"cost": 17000, "lead": 6, "portfolio": 10, "b2b": true, "inhouse": false, "ease of use": 10, "support quality": 8, "documentation": 10}, "Brightside Creative": {"cost": 5500, "lead": 12, "portfolio": 4, "b2b": true, "inhouse": true, "ease of use": 5, "support quality": 8, "documentation": 4}}, "constraints": [{"attr": "cost", "op": "<=", "value": 10500}, {"attr": "inhouse", "op": "is", "value": true}], "priority": [], "weights": {"ease of use": 45, "support quality": 35, "documentation": 20}, "years": null, "check": "Signal & Co", "options_q": {"choice": {"brightside_creative": "brightside_creative", "signal_co": "signal_co", "wildfern_agency": "wildfern_agency"}}}, "text_sha256": "9644f00dcaaaf9dd0ee5c30325c4307bc20c4bce38131eecc8a6d34c02d890bb", "state_tokens": 310}}
{"state": "SPEC SHEET: a payment processor for the online store\nPaylane | fee per transaction=1.95% | payout delay=6 days | uptime commitment=99.74% | support quality score=6/10 | security score=8/10 | ease of use score=8/10 | multi-currency settlement=yes | a chargeback protection service=yes\nSettle Pay | fee per transaction=3.50% | payout delay=1 days | uptime commitment=99.99% | support quality score=9/10 | security score=6/10 | ease of use score=3/10 | multi-currency settlement=yes | a chargeback protection service=no\nQuickcheck | fee per transaction=2.65% | payout delay=1 days | uptime commitment=99.86% | support quality score=3/10 | security score=8/10 | ease of use score=8/10 | multi-currency settlement=yes | a chargeback protection service=yes\nTillpoint | fee per transaction=2.55% | payout delay=6 days | uptime commitment=99.53% | support quality score=10/10 | security score=6/10 | ease of use score=8/10 | multi-currency settlement=yes | a chargeback protection service=yes\nCoinbridge | fee per transaction=2.10% | payout delay=7 days | uptime commitment=99.61% | support quality score=8/10 | security score=8/10 | ease of use score=4/10 | multi-currency settlement=no | a chargeback protection service=yes\nR1: its fee per transaction must be at most 2.60%\nSelection: Each option has been scored from 1 to 10 on support quality, security and ease of use (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 70% support quality, 20% security, 10% ease of use.", "questions": {"choice": {"type": "choice", "instructions": "Which processor best satisfies the brief?", "criteria": {"paylane": null, "settle_pay": null, "quickcheck": null, "tillpoint": null, "coinbridge": null}, "src": "hard_tradeoff", "label": "tillpoint"}, "meets": {"type": "noul", "instructions": "Is Coinbridge compliant with all the hard requirements?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00069", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00069", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "processor", "none_case": false, "facts": {"rule": "weighted", "options": {"Paylane": {"cost": 195, "payout": 6, "uptime": 9974, "multicurrency": true, "disputes": true, "support quality": 6, "security": 8, "ease of use": 8}, "Settle Pay": {"cost": 350, "payout": 1, "uptime": 9999, "multicurrency": true, "disputes": false, "support quality": 9, "security": 6, "ease of use": 3}, "Quickcheck": {"cost": 265, "payout": 1, "uptime": 9986, "multicurrency": true, "disputes": true, "support quality": 3, "security": 8, "ease of use": 8}, "Tillpoint": {"cost": 255, "payout": 6, "uptime": 9953, "multicurrency": true, "disputes": true, "support quality": 10, "security": 6, "ease of use": 8}, "Coinbridge": {"cost": 210, "payout": 7, "uptime": 9961, "multicurrency": false, "disputes": true, "support quality": 8, "security": 8, "ease of use": 4}}, "constraints": [{"attr": "cost", "op": "<=", "value": 260}], "priority": [], "weights": {"support quality": 70, "security": 20, "ease of use": 10}, "years": null, "check": "Coinbridge", "options_q": {"choice": {"paylane": "paylane", "settle_pay": "settle_pay", "quickcheck": "quickcheck", "tillpoint": "tillpoint", "coinbridge": "coinbridge"}}}, "text_sha256": "bd364d7cf6768591a661699aed85fe4fe63888cda4fa1cdc8d9ccc57972e57f0", "state_tokens": 443}}
{"state": "MEMO\nRe: Recurring schedule\n\nRent is collected on day 20 of each month; if that day falls on a Saturday or Sunday, it is collected on the Friday before. November 1, 2027 is a Monday. Question concerns the collection in November 2027.", "questions": {"date": {"type": "choice", "instructions": "Date of the requested occurrence:", "criteria": {"a": "19 November 2027", "b": "21 November 2027", "c": "22 November 2027", "d": "20 November 2027", "e": "17 November 2027"}, "src": "hard_temporal_numeric", "label": "a"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00058", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00058", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "recurring_monthly_rollback", "facts": {"kind": "recurring", "pattern": "monthly_rollback", "year": 2027, "month": 11, "dom": 20, "options_q": {"date": {"a": "2027-11-19", "b": "2027-11-21", "c": "2027-11-22", "d": "2027-11-20", "e": "2027-11-17"}}}, "text_sha256": "9046ae313e3780155333fa6952f7a2ce2b0b8aacfb5f5acee78e9c7f8aee1baf", "state_tokens": 64}}
{"state": "HOME CONTENTS INSURANCE POLICY\nIssued by Oakfield Assurance\nIn this policy, \"the Insurer\" means Oakfield Assurance and \"the Policyholder\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Art and antiques means paintings, antiques, rugs and other works of art.\n(2) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(3) Bicycles means bicycles and electric scooters.\n(4) Business day means Monday to Friday, excluding public holidays.\n(5) Forcible entry means entry to the home that leaves visible damage to doors, windows or locks.\n(6) Garden items means garden furniture, plants and outdoor tools.\n(7) High-risk items means jewellery, watches, laptops, games consoles and cameras.\n(8) Home means the private residence at the address shown in the schedule.\n(9) Portable electronics means laptops, tablets and mobile phones.\n(10) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(11) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(12) Unoccupied means not lived in by the Policyholder or a member of the Policyholder's family for more than 30 consecutive days.\n\n§ 2  Limits and excess\n(1) Theft: limit $20,000 per incident; excess $500 per claim.\n(2) Escape of Water: limit $15,000 per incident; excess $1,000 per claim.\n(3) Accidental Damage: limit $2,000 per incident; excess $100 per claim.\n(4) Flood: limit $20,000 per incident; excess $1,000 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Optional cover: Accidental Damage\n(1) The Insurer will pay for sudden and unexpected accidental damage to the Policyholder's contents inside the home.\n(2) This section applies only if it is shown as purchased in the Policyholder's schedule.\n(3) The most the Insurer will pay for Portable electronics under this section is $750 per incident.\n(4) The Insurer will not pay for damage caused by pets.\n(5) The Insurer will not pay for wear and tear, or damage that happens gradually.\n\n§ 4  Escape of Water\n(1) The Insurer will pay for contents damaged by water escaping from a fixed pipe, tank or domestic appliance.\n(2) The most the Insurer will pay for Art and antiques under this section is $2,000 per incident.\n(3) The Insurer will not pay for damage caused by water leaking gradually over a period of time.\n(4) The Insurer will not pay for damage caused by the failure of grout or sealant around baths and showers.\n\n§ 5  Flood\n(1) The Insurer will pay for contents damaged by flood water entering the Policyholder's home.\n(2) No cover applies under this section to any incident that happens within the first 60 days after the policy start date.\n(3) The most the Insurer will pay for Garden items under this section is $500 per incident.\n(4) The Insurer will not pay for flood damage where a flood warning for the Policyholder's area had been issued before the policy started.\n\n§ 6  Theft\n(1) The Insurer will pay for contents stolen from the Policyholder's home.\n(2) The most the Insurer will pay for High-risk items under this section is $2,500 per incident.\n(3) The most the Insurer will pay for Bicycles under this section is $800 per incident.\n(4) The Insurer will not pay for theft while the home is unoccupied.\n(5) The Insurer will not pay for theft where there is no sign of forced entry to the home. This exclusion does not apply where the thief gained entry by deception, for example by posing as a utility worker.\n(6) The Insurer will not pay for theft from sheds, garages or other outbuildings. This exclusion does not apply if the outbuilding was locked and the theft involved forcible entry.\n\n§ 7  General exclusions\n(1) The Insurer will not pay for any deliberate or criminal act by the Policyholder.\n(2) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n(3) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(4) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n(5) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(6) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n\n§ 8  Making a claim\n(1) The Policyholder must notify the Insurer of a claim within 21 days of the incident. The Insurer will not pay any claim notified after that time.\n(2) The Policyholder must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Insurer may appoint a loss adjuster to investigate any claim.\n\n§ 9  Cooperation\n(1) The Policyholder must give the Insurer all the help and information the Insurer reasonably need to settle a claim.\n(2) The Policyholder must not admit liability or offer to settle any claim without the Insurer's written permission.\n\n§ 10  Renewal\n(1) The Insurer will write to the Policyholder at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 11  Records and evidence\n(1) The Policyholder should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 12  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Policyholder gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Policyholder's claims history.\n\n§ 13  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 14  Cancellation\n(1) The Policyholder can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Policyholder can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $30.\n(3) The Insurer can cancel this policy by giving the Policyholder 30 days' written notice to the last address the Insurer holds.\n\n§ 15  Claims documents\n(1) The Policyholder must provide, at the Policyholder's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 16  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 17  Change of address\n(1) The Policyholder must tell the Insurer within 30 days if the Policyholder changes the Policyholder's address.\n(2) The Insurer may change the premium or the terms from the date of the move.\n\n§ 18  Electronic documents\n(1) The Insurer will send documents by email unless the Policyholder asks for paper copies.\n(2) The Policyholder must tell the Insurer if the Policyholder's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 19  Premium payment\n(1) The Policyholder must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 21 days of its due date, the Insurer may cancel the policy after giving notice.\n\n§ 20  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Policyholder to repay the amount.\n\n§ 21  Automatic renewal\n(1) Unless the Policyholder tells the Insurer otherwise, this policy will renew automatically at the end of the policy period using the payment details the Insurer holds.\n(2) The Policyholder can switch off automatic renewal at any time by contacting the Insurer's helpline.\n\n§ 22  Market conditions\n(1) If the replacement item is no longer available, the Insurer will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 23  Communication\n(1) The Insurer will communicate with the Policyholder in English.\n(2) The Insurer may record telephone calls for training and quality purposes.\n\n§ 24  Changes in circumstances\n(1) The Policyholder must tell the Insurer as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Insurer may then change the premium or the terms of this policy, or cancel it.\n\n§ 25  Inflation\n(1) The Insurer may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Policyholder's renewal documents; limits do not change during a policy period.\n\n§ 26  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 27  Environmental commitment\n(1) Where practical, the Insurer will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Policyholder may ask for a new part instead, and the Insurer will tell the Policyholder whether any additional cost would apply.\n\n§ 28  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 29  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Policyholder must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 30  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Policyholder should be sent to the address shown in the schedule.\n\n§ 31  Contents temporarily removed\n(1) The Policyholder's contents are covered while temporarily removed from the home to another building in the same country, for up to 60 days.\n(2) Contents in a student hall of residence are covered only if the student is a member of the Policyholder's family.\n\n§ 32  Tenant's improvements\n(1) If the Policyholder rents the home, the Insurer will pay for damage to fixtures and fittings that the Policyholder installed and are responsible for.\n(2) This cover applies only to improvements the Policyholder paid for, not to items provided by the landlord.\n\n§ 33  Payment of claims\n(1) The Insurer will pay claims by bank transfer to an account in the Policyholder's name.\n(2) The Insurer aims to pay accepted claims within 15 working days of receiving all the documents the Insurer needs.\n\n§ 34  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 35  Arbitration\n(1) If the Insurer accepts a claim but disagree with the Policyholder about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Insurer.\n\n§ 36  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 37  Duty of fair presentation\n(1) The Policyholder must answer all questions the Insurer asks honestly and to the best of the Policyholder's knowledge.\n(2) If the Policyholder gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Policyholder gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 38  Assignment\n(1) The Policyholder cannot transfer the Policyholder's interest in this policy to anyone else without the Insurer's written consent.\n\n§ 39  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 40  Subrogation\n(1) The Insurer will be entitled to take over and conduct in the Policyholder's name the defence or settlement of any claim.\n(2) The Insurer can take action in the Policyholder's name to recover any payment the Insurer makes from anyone responsible for the loss.\n\n=== CLAIM ===\nClaim summary: Sana Ivanova; policy P146127; policy start 18 June 2026; schedule covers Theft, Escape of Water, Flood; extensions none. Section claimed: Escape of Water, for flooring and furniture. Incident date 1 July 2026; notified 11 July 2026; assessed loss $10,201.99. Facts: The plumber's report says the pipe had been leaking slowly for several months before the flooring and furniture were damaged. The building is a converted warehouse with six flats. A neighbour reported the incident to the building manager. Sana works from home three days a week.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_gradual": "Decline under the gradual leaks exclusion (§ 4(3))", "pay_less_fee": "Pay the assessed loss less the excess", "pay_sublimit": "Pay up to the Art and antiques sublimit (§ 4(2))", "not_covered": "Decline: Escape of Water is not a cover shown in the schedule", "deny_waiting": "Decline: the incident happened during the waiting period (§ 5(2))"}, "src": "hard_long_policy", "label": "deny_gradual"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$15,000", "b": "$1,000", "c": "$9,201.99", "d": "$14,000", "e": "$0"}, "src": "hard_long_policy", "label": "e"}}, "_meta": {"id": "hard-v1/long_policy/development/00066", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00066", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "home", "target": "deny_exclusion", "category": "water", "tempting": null, "facts": {"domain": "home", "fee_order": "before", "notice_days": 21, "categories": {"theft": {"limit": 20000, "fee": 500, "waiting": 0, "purchased": true}, "water": {"limit": 15000, "fee": 1000, "waiting": 0, "purchased": true}, "accidental": {"limit": 2000, "fee": 100, "waiting": 0, "purchased": false}, "flood": {"limit": 20000, "fee": 1000, "waiting": 60, "purchased": true}}, "classes": {"high_risk": {"category": "theft", "cap": 2500}, "bicycles": {"category": "theft", "cap": 800}, "art": {"category": "water", "cap": 2000}, "portable": {"category": "accidental", "cap": 750}, "garden": {"category": "flood", "cap": 500}}, "exclusions": [{"key": "unoccupied", "categories": ["theft"], "kind": "threshold", "thr": 30, "cmp": "gt", "has_exception": false}, {"key": "no_forced_entry", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "outbuilding", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "gradual", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "sealant", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pets", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear_home", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "flood_warning", "categories": ["flood"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "water", "item": "the flooring and furniture", "item_class": null, "loss_cents": 1020199, "start": "2026-06-18", "incident": "2026-07-01", "reported": "2026-07-11", "conditions": {"gradual": true}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"deny_gradual": "deny_gradual", "pay_less_fee": "pay_less_fee", "pay_sublimit": "pay_sublimit", "not_covered": "not_covered", "deny_waiting": "deny_waiting"}, "amount": {"a": 1500000, "b": 100000, "c": 920199, "d": 1400000, "e": 0}}}, "text_sha256": "69e08de9f351ff6ed27badb2aec45d8435c1ceeaffd71722b21870ad890b39cc", "state_tokens": 3334}}
{"state": "MEMO\nRe: Warranty\n\nThe warranty covers manufacturing defects for 24 months from the purchase date. Accidental damage is never covered. Tomas Pajari bought a coffee machine on June 12, 2025. Tomas made a warranty claim on November 28, 2027.\n\nThe technician's report on the cause has not come back yet. Tomas registered the machine online.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_covered": "Not covered by the warranty", "repair_under_warranty": "Repair under warranty", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "not_covered"}}, "_meta": {"id": "hard-v1/ambiguous/development/00045", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00044", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "warranty", "twin": "absent", "absent_kind": "nondeciding", "explicit_unknown": true, "facts": {"scenario": "warranty", "insufficient_key": "not_enough_information", "params": {"months": 24, "purchase": "2025-06-12", "claim": "2027-11-28", "cause": null}, "deciding_present": false, "options_q": {"decision": {"not_covered": "not_covered", "repair_under_warranty": "repair_under_warranty", "not_enough_information": "not_enough_information"}}}, "text_sha256": "f3ebebdc209d92759b34ed69051bda168d012c1b11fc9a8276813295e7e9a24d", "state_tokens": 85}}
{"state": "REVIEW REQUEST\nItem: Machine A packs 48 boxes per hour and machine B packs 152 boxes per hour. Working together, how many hours do they need to pack 1,100 boxes? Give one decimal place.\nSubmitted result: Pretty sure it's 5.5 hours", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "11.0 hours", "b": "30.2 hours", "c": "5.5 hours", "d": "7.2 hours", "e": "5.6 hours"}, "src": "hard_judge", "label": "c"}}, "_meta": {"id": "hard-v1/judge/development/00071", "source": "hard_judge", "group_id": "hard-v1/judge/development/00071", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "rate", "error": null, "facts": {"kind": "rate", "args": {"items": 1100, "r1": 48, "r2": 152}, "dp": 1, "proposed": 55, "error": null, "options_q": {"value": {"a": 110, "b": 302, "c": 55, "d": 72, "e": 56}}}, "text_sha256": "ec7063ab0649ba561940471852f5afaf0e44020c85b294a8858646fd18d35f8c", "state_tokens": 64}}
{"state": "MEMO\nRe: Shift pay check\n\nA warehouse worker clocked in at 22:45 on August 27, 2026 and clocked out at 04:45 the next day. They took no break. The hourly rate is $24.00.\n\nPaid time beyond 8 hours in a shift is paid at 1.5 times the hourly rate.", "questions": {"pay": {"type": "choice", "instructions": "Shift pay due:", "criteria": {"a": "$144.00", "b": "$156.00", "c": "$120.00", "d": "$192.00", "e": "$216.00"}, "src": "hard_temporal_numeric", "label": "a"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00091", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00091", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "shift", "overtime": false, "facts": {"kind": "shift", "start": "2026-08-27T22:45", "end": "2026-08-28T04:45", "break_min": 0, "rate_cents": 2400, "ot_after_h": 8, "options_q": {"pay": {"a": 14400, "b": 15600, "c": 12000, "d": 19200, "e": 21600}}}, "text_sha256": "eaf5a55b49069eef0aaa5e579cfcf9ce6719771a10f2019305773cb03f9620ab", "state_tokens": 86}}
{"state": "SPEC SHEET: a managed database service for the orders system\nGranite DB | monthly cost=$1,650 | write latency=7 ms | recovery point objective=10 minutes | one-time setup fee=$500 | point-in-time recovery=yes | multi-region replicas=yes\nTideDB | monthly cost=$1,400 | write latency=10 ms | recovery point objective=3 minutes | one-time setup fee=$13,000 | point-in-time recovery=yes | multi-region replicas=yes\nQuarry SQL | monthly cost=$1,400 | write latency=30 ms | recovery point objective=10 minutes | one-time setup fee=$22,000 | point-in-time recovery=yes | multi-region replicas=yes\nLumen Data | monthly cost=$2,800 | write latency=15 ms | recovery point objective=47 minutes | one-time setup fee=$21,000 | point-in-time recovery=yes | multi-region replicas=yes\nPolar Store | monthly cost=$700 | write latency=8 ms | recovery point objective=20 minutes | one-time setup fee=$2,500 | point-in-time recovery=yes | multi-region replicas=no\nR1: its write latency must be at most 7 ms\nR2: it must offer multi-region replicas\nSelection: Among the options that meet every requirement, choose the lowest total cost over 5 years: the one-time setup fee plus 5 years of the monthly cost.", "questions": {"choice": {"type": "choice", "instructions": "Which service best satisfies the brief?", "criteria": {"quarry_sql": null, "granite_db": null, "lumen_data": null, "polar_store": null, "tidedb": null}, "src": "hard_tradeoff", "label": "granite_db"}, "meets": {"type": "noul", "instructions": "Does Quarry SQL pass the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00005", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00005", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "tco", "context": "service", "none_case": false, "facts": {"rule": "tco", "options": {"Granite DB": {"cost": 1650, "latency": 7, "rpo": 10, "pitr": true, "multiregion": true, "setup": 500}, "TideDB": {"cost": 1400, "latency": 10, "rpo": 3, "pitr": true, "multiregion": true, "setup": 13000}, "Quarry SQL": {"cost": 1400, "latency": 30, "rpo": 10, "pitr": true, "multiregion": true, "setup": 22000}, "Lumen Data": {"cost": 2800, "latency": 15, "rpo": 47, "pitr": true, "multiregion": true, "setup": 21000}, "Polar Store": {"cost": 700, "latency": 8, "rpo": 20, "pitr": true, "multiregion": false, "setup": 2500}}, "constraints": [{"attr": "latency", "op": "<=", "value": 7}, {"attr": "multiregion", "op": "is", "value": true}], "priority": [], "weights": {}, "years": 5, "check": "Quarry SQL", "options_q": {"choice": {"quarry_sql": "quarry_sql", "granite_db": "granite_db", "lumen_data": "lumen_data", "polar_store": "polar_store", "tidedb": "tidedb"}}}, "text_sha256": "ffcebb91cbc86270d7b50823a134089e39ff95e93fa5e1f8e6f87c90e188a843", "state_tokens": 317}}
{"state": "MEMO\nRe: Shipping\n\nOrders ship free when the order total after all discounts is at least $50.00; otherwise the standard shipping fee applies. Rosa Quinn's basket totals $66.58 before discounts. The coupon Rosa applied took $5.00 off.\n\nThe basket contains three items from the same warehouse. Rosa chose standard delivery.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"standard_shipping": "Charge the standard shipping fee", "not_enough_information": "The information given is not enough to decide", "free_shipping": "Ship the order free"}, "src": "hard_ambiguous", "label": "free_shipping"}}, "_meta": {"id": "hard-v1/ambiguous/development/00012", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00012", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "shipping", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "shipping", "insufficient_key": "not_enough_information", "params": {"threshold_cents": 5000, "subtotal_cents": 6658, "discount_cents": 500}, "deciding_present": true, "options_q": {"decision": {"standard_shipping": "standard_shipping", "not_enough_information": "not_enough_information", "free_shipping": "free_shipping"}}}, "text_sha256": "dca656f6b8c54db5873cdb82e6f986a265043cdd11314a65f3b30da83fb9d5cc", "state_tokens": 76}}
{"state": "SPEC SHEET: a freight carrier for the Rotterdam to Milan lane\nRhenus Line | price per shipment=$900 | transit time=5 days | damage rate=0.70% | temperature-controlled trailers=no | live GPS tracking=no\nPortway | price per shipment=$950 | transit time=8 days | damage rate=1.95% | temperature-controlled trailers=yes | live GPS tracking=yes\nMeridian Cargo | price per shipment=$3,050 | transit time=10 days | damage rate=0.60% | temperature-controlled trailers=no | live GPS tracking=yes\nR1: its transit time must be at most 9 days\nR2: it must offer temperature-controlled trailers\nSelection: Among the options that meet every requirement, choose the one with the lowest damage rate; if two or more are tied on damage rate, choose the one with the lowest price per shipment.", "questions": {"choice": {"type": "choice", "instructions": "Which carrier best satisfies the brief?", "criteria": {"meridian_cargo": null, "rhenus_line": null, "portway": null}, "src": "hard_tradeoff", "label": "portway"}, "meets": {"type": "noul", "instructions": "Is Portway compliant with all the hard requirements?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00087", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00087", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "carrier", "none_case": false, "facts": {"rule": "lex", "options": {"Rhenus Line": {"cost": 900, "transit": 5, "damage": 70, "reefer": false, "tracking": false}, "Portway": {"cost": 950, "transit": 8, "damage": 195, "reefer": true, "tracking": true}, "Meridian Cargo": {"cost": 3050, "transit": 10, "damage": 60, "reefer": false, "tracking": true}}, "constraints": [{"attr": "transit", "op": "<=", "value": 9}, {"attr": "reefer", "op": "is", "value": true}], "priority": [["damage", "lower"], ["cost", "lower"]], "weights": {}, "years": null, "check": "Portway", "options_q": {"choice": {"meridian_cargo": "meridian_cargo", "rhenus_line": "rhenus_line", "portway": "portway"}}}, "text_sha256": "ec2b87a47922fb21c48f492e3b058a345e6ed0ce502c444de73b761d1a3613cd", "state_tokens": 191}}
{"state": "SPEC SHEET: an office lease for the new Leeds team\nAlbion Court | monthly rent=$9,900 | average commute=58 minutes | capacity=68 desks | on-site parking=yes | step-free access=yes\nMill Yard | monthly rent=$4,100 | average commute=49 minutes | capacity=65 desks | on-site parking=no | step-free access=yes\nStation House | monthly rent=$7,700 | average commute=18 minutes | capacity=25 desks | on-site parking=yes | step-free access=yes\nR1: its monthly rent must be at most $5,900\nSelection: Among the options that meet every requirement, choose the one with the lowest average commute; if two or more are tied on average commute, choose the one with the lowest monthly rent.", "questions": {"choice": {"type": "choice", "instructions": "Which office best satisfies the brief?", "criteria": {"albion_court": null, "mill_yard": null, "station_house": null}, "src": "hard_tradeoff", "label": "mill_yard"}, "meets": {"type": "noul", "instructions": "Is Mill Yard compliant with all the hard requirements?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00041", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00041", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "office", "none_case": false, "facts": {"rule": "lex", "options": {"Albion Court": {"cost": 9900, "commute": 58, "desks": 68, "parking": true, "access": true}, "Mill Yard": {"cost": 4100, "commute": 49, "desks": 65, "parking": false, "access": true}, "Station House": {"cost": 7700, "commute": 18, "desks": 25, "parking": true, "access": true}}, "constraints": [{"attr": "cost", "op": "<=", "value": 5900}], "priority": [["commute", "lower"], ["cost", "lower"]], "weights": {}, "years": null, "check": "Mill Yard", "options_q": {"choice": {"albion_court": "albion_court", "mill_yard": "mill_yard", "station_house": "station_house"}}}, "text_sha256": "ae19c579f44a4e4751e0909ee031f2b5fcb29d501fe83b3241decaa8e11e9ac9", "state_tokens": 175}}
{"state": "MEMO\nRe: Invoice payment timing\n\nPayment reached the account on 7 January 2026. Invoice 23253 was issued on 22 November 2025. A late fee applies when payment arrives more than 45 days after the invoice date.", "questions": {"days": {"type": "choice", "instructions": "Number of days from invoice to payment:", "criteria": {"a": "45 days", "b": "47 days", "c": "46 days", "d": "44 days", "e": "48 days"}, "src": "hard_temporal_numeric", "label": "c"}, "late": {"type": "noul", "instructions": "Should the late fee be charged?", "src": "hard_temporal_numeric", "label": true}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00029", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00029", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "diff", "facts": {"kind": "diff", "invoice": "2025-11-22", "paid": "2026-01-07", "limit": 45, "options_q": {"days": {"a": 45, "b": 47, "c": 46, "d": 44, "e": 48}}}, "text_sha256": "6d5d437723f91fcde997dd26e3a9adef99521b1d60ec48ed385b96f2af71cf25", "state_tokens": 61}}
{"state": "MEMO\nRe: Shipping\n\nOrders ship free when the order total after all discounts is at least $100.00; otherwise the standard shipping fee applies. Esme Varga's basket totals $116.26 before discounts. The basket contains three items from the same warehouse.\n\nEsme chose standard delivery.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "standard_shipping": "Charge the standard shipping fee", "free_shipping": "Ship the order free"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00029", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00028", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "shipping", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": false, "facts": {"scenario": "shipping", "insufficient_key": "not_enough_information", "params": {"threshold_cents": 10000, "subtotal_cents": 11626, "discount_cents": null}, "deciding_present": false, "options_q": {"decision": {"not_enough_information": "not_enough_information", "standard_shipping": "standard_shipping", "free_shipping": "free_shipping"}}}, "text_sha256": "765d2e2f7b5cb142c0dc06e678fcac49a189cce216a4729cf52d4a69f59634e6", "state_tokens": 69}}
{"state": "MEMO\nRe: Price match\n\nWe match a competitor's lower price for an identical item if the competitor has it in stock at the time of the request, but we never match a price more than 15% below ours. If the competitor's price is not lower, no adjustment is needed. Luca Novak asked us to match Alder Finance's price for the same blender model. Our price is $410.00; Alder Finance lists it at $373.10.\n\nNobody checked whether Alder Finance had it in stock. Luca is a returning customer.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"decline_match": "Decline the price match", "not_enough_information": "The information given is not enough to decide", "match_price": "Match the competitor's price", "no_adjustment": "No adjustment needed"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00099", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00098", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "price_match", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": true, "facts": {"scenario": "price_match", "insufficient_key": "not_enough_information", "params": {"ours_cents": 41000, "theirs_cents": 37310, "max_gap_pct": 15, "in_stock": null}, "deciding_present": false, "options_q": {"decision": {"decline_match": "decline_match", "not_enough_information": "not_enough_information", "match_price": "match_price", "no_adjustment": "no_adjustment"}}}, "text_sha256": "cb49a269e821bffb3b85ceceb8e0ebbfd22952b87763313865d9d46ac9a99d9a", "state_tokens": 123}}
{"state": "MEMO\nRe: Shipping\n\nOrders ship free when the order total after all discounts is at least $50.00; otherwise the standard shipping fee applies. Rosa Quinn's basket totals $66.58 before discounts. A coupon was applied at checkout, but its value is not shown.\n\nThe basket contains three items from the same warehouse. Rosa chose standard delivery.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "free_shipping": "Ship the order free", "standard_shipping": "Charge the standard shipping fee"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00013", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00012", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "shipping", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": true, "facts": {"scenario": "shipping", "insufficient_key": "not_enough_information", "params": {"threshold_cents": 5000, "subtotal_cents": 6658, "discount_cents": null}, "deciding_present": false, "options_q": {"decision": {"not_enough_information": "not_enough_information", "free_shipping": "free_shipping", "standard_shipping": "standard_shipping"}}}, "text_sha256": "d79cf0a4a5c9d51651d4c81a69ec2556247e70dca7b616d269678b65b8767f79", "state_tokens": 78}}
{"state": "MEMO\nRe: Approval\n\nPurchases under $250 need no approval. Purchases from $250 up to $5,000 must be approved by a Manager or more senior; purchases above $5,000 must be approved by a Director or more senior. Seniority: Analyst, Engineer, Manager, Senior Manager, Director, Vice President, Chief Executive. Fiona Silva submitted a purchase of $1,141 for conference travel. The purchase was approved by Hana Vance.\n\nHana Vance is a Vice President. Nadia Mensah, who leads the travel desk, is a Manager.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"approval_valid": "The purchase is properly approved", "approval_invalid": "The approval is not valid under the rule", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "approval_valid"}}, "_meta": {"id": "hard-v1/ambiguous/development/00016", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00016", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "approval", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "approval", "insufficient_key": "not_enough_information", "params": {"amount": 1141, "no_approval_below": 250, "director_above": 5000, "title": "Vice President"}, "deciding_present": true, "options_q": {"decision": {"approval_valid": "approval_valid", "approval_invalid": "approval_invalid", "not_enough_information": "not_enough_information"}}}, "text_sha256": "e9c795b8f4ac848a1043092d5e70c5694914b3b9726f4c1ddb8a5bb3f7a3760c", "state_tokens": 130}}
{"state": "RENTERS CONTENTS PROTECTION\nIssued by Hearthstone Insurance plc\nIn this policy, \"the Insurer\" means Hearthstone Insurance plc and \"the Policyholder\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Art and antiques means paintings, antiques, rugs and other works of art.\n(2) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(3) Bicycles means bicycles and electric scooters.\n(4) Business day means Monday to Friday, excluding public holidays.\n(5) Contents means household goods and personal possessions that belong to the Policyholder or the Policyholder's family.\n(6) Forcible entry means entry to the home that leaves visible damage to doors, windows or locks.\n(7) Garden items means garden furniture, plants and outdoor tools.\n(8) High-risk items means jewellery, watches, laptops, games consoles and cameras.\n(9) Incident means a single event, or a series of events arising from one cause.\n(10) Limit means the most the Insurer will pay for all claims under a section arising from one incident.\n(11) Outbuilding means a shed, garage or greenhouse within the boundaries of the home.\n(12) Policy period means twelve months from the policy start date shown in the Policyholder's schedule.\n(13) Portable electronics means laptops, tablets and mobile phones.\n(14) Unoccupied means not lived in by the Policyholder or a member of the Policyholder's family for more than 30 consecutive days.\n\n§ 2  Limits and excess\n(1) Theft: limit $10,000 per incident; excess $250 per claim.\n(2) Escape of Water: limit $30,000 per incident; excess $250 per claim.\n(3) Accidental Damage: limit $2,000 per incident; excess $100 per claim.\n(4) Flood: limit $20,000 per incident; excess $500 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Insurer will pay only the Insurer's proportionate share.\n(2) The Policyholder must tell the Insurer about any other insurance that covers the same loss when the Policyholder makes a claim.\n\n§ 4  Instalment agreements\n(1) If the Policyholder pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 5  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Policyholder should be sent to the address shown in the schedule.\n\n§ 6  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 7  Subrogation\n(1) The Insurer will be entitled to take over and conduct in the Policyholder's name the defence or settlement of any claim.\n(2) The Insurer can take action in the Policyholder's name to recover any payment the Insurer makes from anyone responsible for the loss.\n\n§ 8  Data protection\n(1) The Insurer will use the personal information the Policyholder provides to administer this policy and to handle claims.\n(2) The Insurer will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Policyholder can ask for a copy of the personal information the Insurer holds by writing to the Insurer's data protection officer.\n\n§ 9  Cooperation\n(1) The Policyholder must give the Insurer all the help and information the Insurer reasonably need to settle a claim.\n(2) The Policyholder must not admit liability or offer to settle any claim without the Insurer's written permission.\n\n§ 10  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 11  Changes in circumstances\n(1) The Policyholder must tell the Insurer as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Insurer may then change the premium or the terms of this policy, or cancel it.\n\n§ 12  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Policyholder gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Policyholder's claims history.\n\n§ 13  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 14  Electronic documents\n(1) The Insurer will send documents by email unless the Policyholder asks for paper copies.\n(2) The Policyholder must tell the Insurer if the Policyholder's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 15  Market conditions\n(1) If the replacement item is no longer available, the Insurer will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 16  Records and evidence\n(1) The Policyholder should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 17  Cancellation\n(1) The Policyholder can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Policyholder can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $25.\n(3) The Insurer can cancel this policy by giving the Policyholder 30 days' written notice to the last address the Insurer holds.\n\n§ 18  Optional cover: Accidental Damage\n(1) The Insurer will pay for sudden and unexpected accidental damage to the Policyholder's contents inside the home.\n(2) This section applies only if it is shown as purchased in the Policyholder's schedule.\n(3) The most the Insurer will pay for Portable electronics under this section is $500 per incident.\n(4) The Insurer will not pay for damage caused by pets.\n(5) The Insurer will not pay for wear and tear, or damage that happens gradually.\n\n§ 19  Garden and outdoor cover\n(1) The Insurer will pay for plants, trees and shrubs in the garden of the home that are damaged by fire, lightning or theft.\n(2) The Insurer will not pay for damage caused by frost, storms, drought or animals.\n\n§ 20  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 21  Inflation\n(1) The Insurer may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Policyholder's renewal documents; limits do not change during a policy period.\n\n§ 22  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 23  Renewal\n(1) The Insurer will write to the Policyholder at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 24  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 25  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Policyholder must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 26  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 27  Complaints\n(1) If the Policyholder has a complaint, the Policyholder should first contact the Insurer's customer relations team, quoting the policy number.\n(2) The Insurer will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Policyholder remains dissatisfied, the Policyholder may be able to refer the complaint to an independent ombudsman service.\n\n§ 28  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 29  Interest\n(1) The Insurer will not pay interest on any claim payment unless the law requires it.\n\n§ 30  Compensation scheme\n(1) The Insurer is covered by a financial services compensation scheme.\n(2) If the Insurer cannot meet the Insurer's obligations, the Policyholder may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 31  Payment of claims\n(1) The Insurer will pay claims by bank transfer to an account in the Policyholder's name.\n(2) The Insurer aims to pay accepted claims within 15 working days of receiving all the documents the Insurer needs.\n\n§ 32  Tenant's improvements\n(1) If the Policyholder rents the home, the Insurer will pay for damage to fixtures and fittings that the Policyholder installed and are responsible for.\n(2) This cover applies only to improvements the Policyholder paid for, not to items provided by the landlord.\n\n§ 33  Communication\n(1) The Insurer will communicate with the Policyholder in English.\n(2) The Insurer may record telephone calls for training and quality purposes.\n\n§ 34  Change of address\n(1) The Policyholder must tell the Insurer within 30 days if the Policyholder changes the Policyholder's address.\n(2) The Insurer may change the premium or the terms from the date of the move.\n\n§ 35  Automatic renewal\n(1) Unless the Policyholder tells the Insurer otherwise, this policy will renew automatically at the end of the policy period using the payment details the Insurer holds.\n(2) The Policyholder can switch off automatic renewal at any time by contacting the Insurer's helpline.\n\n§ 36  Third-party administrators\n(1) The Insurer may appoint another company to handle claims or other services on the Insurer's behalf.\n(2) Any company the Insurer appoints must follow the terms of this policy and applicable data protection law.\n\n§ 37  Reasonable precautions\n(1) The Policyholder must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Policyholder must take reasonable steps to recover lost or stolen property.\n\n§ 38  Customer support\n(1) The Insurer's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Policyholder can leave a message and the Insurer will call back on the next working day.\n\n§ 39  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 40  Waiver\n(1) If the Insurer does not enforce any term of this policy, that does not mean the Insurer has given up the right to enforce it later.\n\n§ 41  Premium payment\n(1) The Policyholder must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 21 days of its due date, the Insurer may cancel the policy after giving notice.\n\n§ 42  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 43  Theft\n(1) The Insurer will pay for contents stolen from the Policyholder's home.\n(2) The most the Insurer will pay for High-risk items under this section is $1,500 per incident.\n(3) The most the Insurer will pay for Bicycles under this section is $500 per incident.\n(4) The Insurer will not pay for theft while the home is unoccupied.\n(5) The Insurer will not pay for theft where there is no sign of forced entry to the home. This exclusion does not apply where the thief gained entry by deception, for example by posing as a utility worker.\n(6) The Insurer will not pay for theft from sheds, garages or other outbuildings. This exclusion does not apply if the outbuilding was locked and the theft involved forcible entry.\n\n§ 44  Arbitration\n(1) If the Insurer accepts a claim but disagree with the Policyholder about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Insurer.\n\n§ 45  Flood\n(1) The Insurer will pay for contents damaged by flood water entering the Policyholder's home.\n(2) No cover applies under this section to any incident that happens within the first 14 days after the policy start date.\n(3) The most the Insurer will pay for Garden items under this section is $500 per incident.\n(4) The Insurer will not pay for flood damage where a flood warning for the Policyholder's area had been issued before the policy started.\n\n§ 46  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 47  Escape of Water\n(1) The Insurer will pay for contents damaged by water escaping from a fixed pipe, tank or domestic appliance.\n(2) The most the Insurer will pay for Art and antiques under this section is $2,000 per incident.\n(3) The Insurer will not pay for damage caused by water leaking gradually over a period of time.\n(4) The Insurer will not pay for damage caused by the failure of grout or sealant around baths and showers.\n\n§ 48  Freezer contents\n(1) The Insurer will pay for food in a domestic freezer that spoils because of a rise or fall in temperature.\n(2) The Insurer will not pay if the freezer is more than fifteen years old, or if the electricity supplier cut the supply deliberately.\n\n§ 49  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 50  Assignment\n(1) The Policyholder cannot transfer the Policyholder's interest in this policy to anyone else without the Insurer's written consent.\n\n§ 51  General exclusions\n(1) The Insurer will not pay for any deliberate or criminal act by the Policyholder.\n(2) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n(3) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n\n§ 52  Environmental commitment\n(1) Where practical, the Insurer will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Policyholder may ask for a new part instead, and the Insurer will tell the Policyholder whether any additional cost would apply.\n\n§ 53  Making a claim\n(1) The Policyholder must notify the Insurer of a claim within 30 days of the incident. The Insurer will not pay any claim notified after that time.\n(2) The Policyholder must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Insurer may appoint a loss adjuster to investigate any claim.\n\n§ 54  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Policyholder to repay the amount.\n\n§ 55  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 56  Claims documents\n(1) The Policyholder must provide, at the Policyholder's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 57  Locks and keys\n(1) If the keys to the Policyholder's home are lost or stolen, the Insurer will pay the cost of replacing the locks to the outside doors.\n(2) The most the Insurer will pay under this clause is $300 for any one claim.\n\n§ 58  Duty of fair presentation\n(1) The Policyholder must answer all questions the Insurer asks honestly and to the best of the Policyholder's knowledge.\n(2) If the Policyholder gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Policyholder gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 59  Alternative accommodation\n(1) If the Policyholder's home cannot be lived in after damage covered by this policy, the Insurer will pay the reasonable cost of comparable temporary accommodation.\n(2) The Insurer will also pay for the temporary housing of pets that live with the Policyholder.\n(3) Cover ends when the home is fit to live in again or after twelve months, whichever is sooner.\n\n§ 60  Contents temporarily removed\n(1) The Policyholder's contents are covered while temporarily removed from the home to another building in the same country, for up to 60 days.\n(2) Contents in a student hall of residence are covered only if the student is a member of the Policyholder's family.\n\n=== CLAIM ===\nClaim summary: Luca Okafor; policy P618130; policy start 7 April 2025; schedule covers Theft, Escape of Water, Flood; extensions none. Section claimed: Flood, for furniture and appliances on the ground floor. Incident date 22 April 2025; notified 4 May 2025; assessed loss $17,833. Facts: A flood warning for the area had been issued three days before the policy start date. Luca works from home three days a week. The building is a converted warehouse with six flats.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_flood_warning": "Decline under the flood warnings exclusion (§ 45(4))", "pay_less_fee": "Pay the assessed loss less the excess", "not_covered": "Decline: Flood is not a cover shown in the schedule", "deny_late": "Decline: the claim was notified too late (§ 53(1))", "pay_sublimit": "Pay up to the Garden items sublimit (§ 45(3))"}, "src": "hard_long_policy", "label": "deny_flood_warning"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$19,500", "b": "$17,833", "c": "$0", "d": "$17,333", "e": "$20,000"}, "src": "hard_long_policy", "label": "c"}}, "_meta": {"id": "hard-v1/long_policy/development/00072", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00072", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "home", "target": "deny_exclusion", "category": "flood", "tempting": null, "facts": {"domain": "home", "fee_order": "before", "notice_days": 30, "categories": {"theft": {"limit": 10000, "fee": 250, "waiting": 0, "purchased": true}, "water": {"limit": 30000, "fee": 250, "waiting": 0, "purchased": true}, "accidental": {"limit": 2000, "fee": 100, "waiting": 0, "purchased": false}, "flood": {"limit": 20000, "fee": 500, "waiting": 14, "purchased": true}}, "classes": {"high_risk": {"category": "theft", "cap": 1500}, "bicycles": {"category": "theft", "cap": 500}, "art": {"category": "water", "cap": 2000}, "portable": {"category": "accidental", "cap": 500}, "garden": {"category": "flood", "cap": 500}}, "exclusions": [{"key": "unoccupied", "categories": ["theft"], "kind": "threshold", "thr": 30, "cmp": "gt", "has_exception": false}, {"key": "no_forced_entry", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "outbuilding", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "gradual", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "sealant", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pets", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear_home", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "flood_warning", "categories": ["flood"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "flood", "item": "the furniture and appliances", "item_class": null, "loss_cents": 1783300, "start": "2025-04-07", "incident": "2025-04-22", "reported": "2025-05-04", "conditions": {"flood_warning": true}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"deny_flood_warning": "deny_flood_warning", "pay_less_fee": "pay_less_fee", "not_covered": "not_covered", "deny_late": "deny_late", "pay_sublimit": "pay_sublimit"}, "amount": {"a": 1950000, "b": 1783300, "c": 0, "d": 1733300, "e": 2000000}}}, "text_sha256": "955dc51623943de1278a32e636c682b418e0a07a701e7ba9b5ba97d538c35459", "state_tokens": 4456}}
{"state": "MEMO\nRe: Complaint response deadline\n\nGranite Peak Software must answer every formal complaint within 3 business days of receiving it. Business days are Monday to Friday, excluding the public holidays listed here; the day the complaint is received does not count. Public holidays this year: Harvest Day (Tuesday 27 May 2025); Remembrance Day (Monday 16 June 2025); Company Day (Tuesday 17 June 2025); Midsummer Holiday (Wednesday 18 June 2025); Civic Day (Monday 30 June 2025).\n\nA complaint was received on Sunday 15 June 2025.", "questions": {"due": {"type": "choice", "instructions": "Compute the due date.", "criteria": {"a": "18 June 2025", "b": "24 June 2025", "c": "23 June 2025", "d": "20 June 2025", "e": "21 June 2025"}, "src": "hard_temporal_numeric", "label": "c"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00034", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00034", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "deadline", "facts": {"kind": "deadline", "received": "2025-06-15", "n": 3, "holidays": ["2025-05-27", "2025-06-16", "2025-06-17", "2025-06-18", "2025-06-30"], "options_q": {"due": {"a": "2025-06-18", "b": "2025-06-24", "c": "2025-06-23", "d": "2025-06-20", "e": "2025-06-21"}}}, "text_sha256": "769e3e3bb915b68dda0eb9dbf9264ae17b2e1047a9af2919e56c2439dcd13c17", "state_tokens": 145}}
{"state": "ELECTRONICS CARE PLAN\nIssued by Circuit Care Services\nIn this policy, \"the Provider\" means Circuit Care Services and \"the Customer\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Accessories means cases, chargers, earbuds and styluses.\n(2) Accessories means cases, chargers and earbuds.\n(3) Replacement device means a device of the same or similar specification, which may be refurbished.\n(4) Wearables means smartwatches and fitness trackers.\n\n§ 2  Limits and service fee\n(1) Accidental Damage: limit $1,200 per incident; service fee $99 per claim.\n(2) Breakdown: limit $1,500 per incident; service fee $49 per claim.\n(3) Theft and Loss: limit $1,200 per incident; service fee $149 per claim.\n(4) Any limit or sublimit is applied to the assessed loss first, and the service fee is then deducted from the result.\n\n§ 3  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 4  Accidental Damage\n(1) The Provider will repair or replace the Customer's device if it is accidentally damaged.\n(2) The most the Provider will pay for Accessories under this section is $100 per incident.\n(3) The most the Provider will pay for Wearables under this section is $300 per incident.\n(4) The Provider will not pay for cosmetic damage, such as scratches or dents, that does not affect how the device works.\n(5) The Provider will not pay for damage following a repair by anyone other than the Provider or an authorised repairer. This exclusion does not apply if the Provider approved the repair in writing beforehand.\n\n§ 5  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Provider may charge the premium without the discount from that date.\n\n§ 6  Optional cover: Theft and Loss\n(1) The Provider will replace the Customer's device if it is stolen or lost.\n(2) This section applies only if it is shown as purchased in the Customer's schedule.\n(3) The most the Provider will pay for Accessories under this section is $50 per incident.\n(4) The Provider will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Provider will not pay for theft that was not reported to the police.\n\n§ 7  Environmental commitment\n(1) Where practical, the Provider will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Customer may ask for a new part instead, and the Provider will tell the Customer whether any additional cost would apply.\n\n§ 8  Market conditions\n(1) If the replacement item is no longer available, the Provider will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 9  Change of address\n(1) The Customer must tell the Provider within 30 days if the Customer changes the Customer's address.\n(2) The Provider may change the premium or the terms from the date of the move.\n\n§ 10  Recovery of costs\n(1) If the Provider pays a claim that is later found not to be covered, the Provider may ask the Customer to repay the amount.\n\n§ 11  Instalment agreements\n(1) If the Customer pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 12  Replacement devices\n(1) If the Provider cannot repair the Customer's device economically, the Provider will replace it with a replacement device.\n(2) Replacement devices may be a different colour and may be refurbished to an as-new standard.\n(3) Accessories are replaced only if they were lost or damaged in the same incident as the device.\n\n§ 13  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 14  Third-party administrators\n(1) The Provider may appoint another company to handle claims or other services on the Provider's behalf.\n(2) Any company the Provider appoints must follow the terms of this policy and applicable data protection law.\n\n§ 15  General exclusions\n(1) The Provider will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(2) The Provider will not pay for loss caused by nuclear radiation or radioactive contamination.\n\n§ 16  Cancellation\n(1) The Customer can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Customer can cancel at any time; the Provider will refund the premium for the unexpired period less an administration charge of $30.\n(3) The Provider can cancel this policy by giving the Customer 30 days' written notice to the last address the Provider holds.\n\n§ 17  Data and backups\n(1) The Provider is not responsible for recovering or restoring any data, software or settings stored on the Customer's device.\n(2) The Customer should back up the Customer's data regularly and before sending the device for repair.\n\n§ 18  Automatic renewal\n(1) Unless the Customer tells the Provider otherwise, this policy will renew automatically at the end of the policy period using the payment details the Provider holds.\n(2) The Customer can switch off automatic renewal at any time by contacting the Provider's helpline.\n\n§ 19  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 20  Salvage\n(1) When the Provider replaces an item, the damaged or recovered item becomes the Provider's property.\n(2) If stolen property is recovered after the Provider has paid a claim, the Customer must tell the Provider and either return the payment or give the Provider the property.\n\n§ 21  Making a claim\n(1) The Customer must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Customer must notify the Provider of a claim within 30 days of the incident. The Provider will not pay any claim notified after that time.\n(3) The Provider may appoint a loss adjuster to investigate any claim.\n\n§ 22  Changes in circumstances\n(1) The Customer must tell the Provider as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Provider may then change the premium or the terms of this policy, or cancel it.\n\n=== CLAIM ===\nClaim summary: Greta Varga; policy K698269; policy start 2 August 2025; schedule covers Accidental Damage, Breakdown; extensions none. Section claimed: Theft and Loss, for a laptop. Incident date 18 October 2025; notified 11 November 2025; assessed loss $427. Facts: The laptop had been left in a hire car parked outside a restaurant during dinner. The car was locked and the laptop was in the closed boot, out of sight. The retailer's receipt was uploaded with the claim. The device is registered in Greta's name.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_less_fee": "Pay the assessed loss less the service fee", "deny_unattended": "Decline under the unattended property exclusion (§ 6(4))", "pay_sublimit": "Pay up to the Accessories sublimit (§ 6(3))", "not_covered": "Decline: Theft and Loss is not a cover shown in the schedule", "deny_no_police_report": "Decline under the unreported theft exclusion (§ 6(5))"}, "src": "hard_long_policy", "label": "not_covered"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$1,051", "b": "$278", "c": "$427", "d": "$1,200", "e": "$0"}, "src": "hard_long_policy", "label": "e"}}, "_meta": {"id": "hard-v1/long_policy/development/00084", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00084", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "device", "target": "not_covered", "category": "theft_loss", "tempting": "unattended", "facts": {"domain": "device", "fee_order": "after", "notice_days": 30, "categories": {"accidental_damage": {"limit": 1200, "fee": 99, "waiting": 0, "purchased": true}, "breakdown": {"limit": 1500, "fee": 49, "waiting": 45, "purchased": true}, "theft_loss": {"limit": 1200, "fee": 149, "waiting": 0, "purchased": false}}, "classes": {"accessories": {"category": "accidental_damage", "cap": 100}, "wearables": {"category": "accidental_damage", "cap": 300}, "battery": {"category": "breakdown", "cap": 120}, "accessories_tl": {"category": "theft_loss", "cap": 50}}, "exclusions": [{"key": "cosmetic_damage", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unauthorised_repair", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "manufacturer_warranty", "categories": ["breakdown"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}, {"key": "liquid", "categories": ["breakdown"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unattended", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "no_police_report", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "theft_loss", "item": "the laptop", "item_class": null, "loss_cents": 42700, "start": "2025-08-02", "incident": "2025-10-18", "reported": "2025-11-11", "conditions": {"unattended": true}, "values": {}, "exceptions": {"unattended": true}}, "options_q": {"outcome": {"pay_less_fee": "pay_less_fee", "deny_unattended": "deny_unattended", "pay_sublimit": "pay_sublimit", "not_covered": "not_covered", "deny_no_police_report": "deny_no_police_report"}, "amount": {"a": 105100, "b": 27800, "c": 42700, "d": 120000, "e": 0}}}, "text_sha256": "0bf02c8b632ba305169ee473f9c09561f9d0036b15464895cd87753fa6f1fa15", "state_tokens": 1701}}
{"state": "TRAVEL INSURANCE POLICY WORDING\nIssued by Compass Mutual\nIn this policy, \"the Insurer\" means Compass Mutual and \"the Insured Person\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(2) Business day means Monday to Friday, excluding public holidays.\n(3) Dental treatment means treatment of the teeth or gums.\n(4) Excursions and tickets means pre-booked excursions, tours, and event or theatre tickets.\n(5) Hazardous activity means skydiving, motor racing, or trekking or climbing above 4,500 metres.\n(6) Incident means a single event, or a series of events arising from one cause.\n(7) Limit means the most the Insurer will pay for all claims under a section arising from one incident.\n(8) Physiotherapy means treatment of muscles and joints by a physiotherapist.\n(9) Pre-existing condition means any illness or injury for which the Insured Person received treatment or advice in the 3 months before the policy start date.\n(10) Premium means the amount the Insured Person must pay for this policy, including any taxes.\n(11) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(12) Public transport means any scheduled train, bus, coach, ferry or aircraft.\n(13) Qualifying delay means a delay to the scheduled departure of more than 6 hours.\n(14) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(15) Sports equipment means skis, snowboards, golf clubs, surfboards and bicycles.\n(16) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(17) Territory means the countries in which cover applies, as shown in the schedule.\n(18) Travelling companion means a person who has booked to travel with the Insured Person on the same trip.\n(19) Trip means a journey that starts and ends in the Insured Person's home country during the policy period.\n(20) Valuables means laptops, tablets, mobile phones, cameras, watches and jewellery.\n\n§ 2  Limits and excess\n(1) Baggage and Personal Belongings: limit $3,000 per incident; excess $75 per claim.\n(2) Emergency Medical Expenses: limit $25,000 per incident; excess $100 per claim.\n(3) Trip Cancellation: limit $5,000 per incident; excess $50 per claim.\n(4) Travel Delay: limit $300 per incident; excess $25 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Third-party administrators\n(1) The Insurer may appoint another company to handle claims or other services on the Insurer's behalf.\n(2) Any company the Insurer appoints must follow the terms of this policy and applicable data protection law.\n\n§ 4  Emergency Medical Expenses\n(1) The Insurer will pay reasonable and necessary emergency medical costs incurred during the trip.\n(2) The most the Insurer will pay for Dental treatment under this section is $250 per incident.\n(3) The most the Insurer will pay for Physiotherapy under this section is $300 per incident.\n(4) The Insurer will not pay for treatment of a pre-existing condition.\n(5) The Insurer will not pay for injury or illness arising from a hazardous activity. This exclusion does not apply if the Adventure Sports extension is shown in the Insured Person's schedule.\n(6) The Insurer will not pay for any claim arising from the Insured Person's being under the influence of alcohol or drugs.\n\n§ 5  Subrogation\n(1) The Insurer will be entitled to take over and conduct in the Insured Person's name the defence or settlement of any claim.\n(2) The Insurer can take action in the Insured Person's name to recover any payment the Insurer makes from anyone responsible for the loss.\n\n§ 6  Claims documents\n(1) The Insured Person must provide, at the Insured Person's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 7  Trip Cancellation\n(1) The Insurer will pay non-refundable travel and accommodation costs if the Insured Person must cancel the trip for a reason beyond the Insured Person's control.\n(2) No cover applies under this section to any incident that happens within the first 10 days after the policy start date.\n(3) The most the Insurer will pay for Excursions and tickets under this section is $200 per incident.\n(4) The Insurer will not pay for cancellation caused by a strike or other event that had been publicly announced before the Insured Person bought the policy.\n(5) The Insurer will not pay for cancellation because the Insured Person no longer wish to travel.\n\n§ 8  Change of address\n(1) The Insured Person must tell the Insurer within 30 days if the Insured Person changes the Insured Person's address.\n(2) The Insurer may change the premium or the terms from the date of the move.\n\n§ 9  Environmental commitment\n(1) Where practical, the Insurer will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Insured Person may ask for a new part instead, and the Insurer will tell the Insured Person whether any additional cost would apply.\n\n§ 10  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 11  Data protection\n(1) The Insurer will use the personal information the Insured Person provides to administer this policy and to handle claims.\n(2) The Insurer will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Insured Person can ask for a copy of the personal information the Insurer holds by writing to the Insurer's data protection officer.\n\n§ 12  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 13  Optional cover: Travel Delay\n(1) The Insurer will pay reasonable costs of meals and accommodation if the Insured Person's outbound departure is delayed.\n(2) This section applies only if it is shown as purchased in the Insured Person's schedule.\n(3) The Insurer will not pay for any delay that is not a qualifying delay.\n\n§ 14  Waiver\n(1) If the Insurer does not enforce any term of this policy, that does not mean the Insurer has given up the right to enforce it later.\n\n§ 15  Interest\n(1) The Insurer will not pay interest on any claim payment unless the law requires it.\n\n§ 16  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 17  Renewal\n(1) The Insurer will write to the Insured Person at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 18  Cooperation\n(1) The Insured Person must give the Insurer all the help and information the Insurer reasonably need to settle a claim.\n(2) The Insured Person must not admit liability or offer to settle any claim without the Insurer's written permission.\n\n§ 19  Premium payment\n(1) The Insured Person must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Insurer may cancel the policy after giving notice.\n\n§ 20  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 21  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Insured Person must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 22  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Insured Person should be sent to the address shown in the schedule.\n\n§ 23  Rental car excess\n(1) If the Insured Person hires a car during the trip, the Insurer will reimburse any excess the Insured Person must pay to the hire company after accidental damage to the car.\n(2) This section applies only to cars hired from a licensed rental company under a written agreement.\n\n§ 24  Personal liability\n(1) The Insurer will pay damages the Insured Person becomes legally liable to pay for accidental injury to another person or accidental damage to their property during the trip.\n(2) This section does not cover liability arising from the use of motor vehicles, boats or aircraft.\n(3) The most the Insurer will pay under this section is $1,000,000 for all claims arising from one event.\n\n§ 25  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Insurer will pay only the Insurer's proportionate share.\n(2) The Insured Person must tell the Insurer about any other insurance that covers the same loss when the Insured Person makes a claim.\n\n§ 26  Records and evidence\n(1) The Insured Person should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 27  Cancellation\n(1) The Insured Person can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Insured Person can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $15.\n(3) The Insurer can cancel this policy by giving the Insured Person 30 days' written notice to the last address the Insurer holds.\n\n§ 28  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 29  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 30  Changes in circumstances\n(1) The Insured Person must tell the Insurer as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Insurer may then change the premium or the terms of this policy, or cancel it.\n\n§ 31  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 32  Communication\n(1) The Insurer will communicate with the Insured Person in English.\n(2) The Insurer may record telephone calls for training and quality purposes.\n\n§ 33  Arbitration\n(1) If the Insurer accepts a claim but disagree with the Insured Person about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Insurer.\n\n§ 34  Inflation\n(1) The Insurer may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Insured Person's renewal documents; limits do not change during a policy period.\n\n§ 35  Legal expenses abroad\n(1) The Insurer will pay legal costs to pursue compensation for the Insured Person's injury or death caused by a third party during the trip.\n(2) The Insurer will not pay legal costs unless the Insurer's legal adviser agrees that the claim has a reasonable prospect of success.\n\n§ 36  Duty of fair presentation\n(1) The Insured Person must answer all questions the Insurer asks honestly and to the best of the Insured Person's knowledge.\n(2) If the Insured Person gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Insured Person gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 37  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Insured Person to repay the amount.\n\n§ 38  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 39  Assignment\n(1) The Insured Person cannot transfer the Insured Person's interest in this policy to anyone else without the Insurer's written consent.\n\n§ 40  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 41  Repatriation\n(1) If the Insurer's medical adviser agrees it is necessary, the Insurer will arrange and pay for the Insured Person to be brought home.\n(2) The Insurer will decide the method of transport and the time of repatriation after speaking to the treating doctor.\n\n§ 42  Baggage and Personal Belongings\n(1) The Insurer will pay for the loss of, theft of, or damage to the Insured Person's baggage and personal belongings during the trip.\n(2) The most the Insurer will pay for Valuables under this section is $250 per incident.\n(3) The most the Insurer will pay for Sports equipment under this section is $450 per incident.\n(4) The Insurer will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Insurer will not pay for loss caused by confiscation or detention by customs or other officials.\n(6) The Insurer will not pay for damage caused by wear and tear or gradual deterioration.\n\n§ 43  Payment of claims\n(1) The Insurer will pay claims by bank transfer to an account in the Insured Person's name.\n(2) The Insurer aims to pay accepted claims within 5 working days of receiving all the documents the Insurer needs.\n\n§ 44  General exclusions\n(1) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n(2) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(3) The Insurer will not pay for any deliberate or criminal act by the Insured Person.\n\n§ 45  Complaints\n(1) If the Insured Person has a complaint, the Insured Person should first contact the Insurer's customer relations team, quoting the policy number.\n(2) The Insurer will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Insured Person remains dissatisfied, the Insured Person may be able to refer the complaint to an independent ombudsman service.\n\n§ 46  Market conditions\n(1) If the replacement item is no longer available, the Insurer will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 47  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 48  Missed departure\n(1) The Insurer will pay reasonable additional travel and accommodation costs to reach the Insured Person's destination if the Insured Person arrives too late to board the Insured Person's booked transport because public transport fails.\n(2) The Insured Person must allow enough time to reach the departure point, and must obtain written confirmation of the delay from the transport operator.\n\n§ 49  Emergency assistance\n(1) The Insurer's emergency assistance service is available 24 hours a day on the number shown in the schedule.\n(2) The Insured Person must contact the assistance service before being admitted to hospital as an in-patient, unless it is an emergency.\n(3) The assistance service can arrange payment guarantees, interpreters and transport home.\n\n§ 50  Making a claim\n(1) The Insurer may appoint a loss adjuster to investigate any claim.\n(2) The Insured Person must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Insured Person must notify the Insurer of a claim within 60 days of the incident. The Insurer will not pay any claim notified after that time.\n\n§ 51  Reasonable precautions\n(1) The Insured Person must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Insured Person must take reasonable steps to recover lost or stolen property.\n\n§ 52  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 53  Compensation scheme\n(1) The Insurer is covered by a financial services compensation scheme.\n(2) If the Insurer cannot meet the Insurer's obligations, the Insured Person may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 54  Instalment agreements\n(1) If the Insured Person pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 55  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 56  Electronic documents\n(1) The Insurer will send documents by email unless the Insured Person asks for paper copies.\n(2) The Insured Person must tell the Insurer if the Insured Person's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n=== CLAIM ===\nClaim summary: Diego Horvat; policy B847145; policy start 5 September 2026; schedule covers Baggage and Personal Belongings, Emergency Medical Expenses, Trip Cancellation; extensions none. Section claimed: Trip Cancellation, for a non-refundable guided tour package. Incident date 9 September 2026; notified 15 September 2026; assessed loss $1,510. Facts: The trip was cancelled because Diego was admitted to hospital a week before departure. The trip was booked through an online travel agent.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"not_covered": "Decline: Trip Cancellation is not a cover shown in the schedule", "deny_change_of_mind": "Decline under the disinclination to travel exclusion (§ 7(5))", "deny_waiting": "Decline: the incident happened during the waiting period (§ 7(2))", "deny_late": "Decline: the claim was notified too late (§ 50(3))", "pay_sublimit": "Pay up to the Excursions and tickets sublimit (§ 7(3))"}, "src": "hard_long_policy", "label": "deny_waiting"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$1,510", "b": "$0", "c": "$4,950", "d": "$1,460", "e": "$150"}, "src": "hard_long_policy", "label": "b"}}, "_meta": {"id": "hard-v1/long_policy/development/00052", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00052", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "travel", "target": "deny_waiting", "category": "cancellation", "tempting": null, "facts": {"domain": "travel", "fee_order": "before", "notice_days": 60, "categories": {"baggage": {"limit": 3000, "fee": 75, "waiting": 0, "purchased": true}, "medical": {"limit": 25000, "fee": 100, "waiting": 0, "purchased": true}, "cancellation": {"limit": 5000, "fee": 50, "waiting": 10, "purchased": true}, "delay": {"limit": 300, "fee": 25, "waiting": 0, "purchased": false}}, "classes": {"valuables": {"category": "baggage", "cap": 250}, "sports": {"category": "baggage", "cap": 450}, "dental": {"category": "medical", "cap": 250}, "physio": {"category": "medical", "cap": 300}, "excursions": {"category": "cancellation", "cap": 200}}, "exclusions": [{"key": "unattended", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "confiscation", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pre_existing", "categories": ["medical"], "kind": "threshold", "thr": 3, "cmp": "le", "has_exception": false}, {"key": "hazardous", "categories": ["medical"], "kind": "threshold", "thr": 4500, "cmp": "gt", "has_exception": true}, {"key": "intoxication", "categories": ["medical"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "known_event", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "change_of_mind", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "short_delay", "categories": ["delay"], "kind": "threshold", "thr": 6, "cmp": "le", "has_exception": false}], "case": {"category": "cancellation", "item": "the tour package", "item_class": null, "loss_cents": 151000, "start": "2026-09-05", "incident": "2026-09-09", "reported": "2026-09-15", "conditions": {}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"not_covered": "not_covered", "deny_change_of_mind": "deny_change_of_mind", "deny_waiting": "deny_waiting", "deny_late": "deny_late", "pay_sublimit": "pay_sublimit"}, "amount": {"a": 151000, "b": 0, "c": 495000, "d": 146000, "e": 15000}}}, "text_sha256": "63058cc46743dfaf341057a86c609f36713f87fb5ae3126b213da1e8bae99af1", "state_tokens": 4539}}
{"state": "SPEC SHEET: a freight carrier for the Rotterdam to Milan lane\nPortway | price per shipment=$2,675 | transit time=11 days | damage rate=1.55% | ease of integration score=5/10 | documentation score=9/10 | reliability score=9/10 | temperature-controlled trailers=no | live GPS tracking=no\nRhenus Line | price per shipment=$2,975 | transit time=3 days | damage rate=3.00% | ease of integration score=4/10 | documentation score=3/10 | reliability score=7/10 | temperature-controlled trailers=yes | live GPS tracking=yes\nKestrel Haulage | price per shipment=$1,100 | transit time=10 days | damage rate=0.75% | ease of integration score=5/10 | documentation score=5/10 | reliability score=7/10 | temperature-controlled trailers=yes | live GPS tracking=yes\nVireo Transport | price per shipment=$2,700 | transit time=4 days | damage rate=2.90% | ease of integration score=4/10 | documentation score=8/10 | reliability score=6/10 | temperature-controlled trailers=no | live GPS tracking=yes\nR1: its transit time must be at most 7 days\nSelection: Each option has been scored from 1 to 10 on ease of integration, documentation and reliability (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 70% ease of integration, 20% documentation, 10% reliability.", "questions": {"choice": {"type": "choice", "instructions": "Which carrier best satisfies the brief?", "criteria": {"portway": null, "kestrel_haulage": null, "rhenus_line": null, "vireo_transport": null}, "src": "hard_tradeoff", "label": "vireo_transport"}, "meets": {"type": "noul", "instructions": "Does Kestrel Haulage pass the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00096", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00096", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "carrier", "none_case": false, "facts": {"rule": "weighted", "options": {"Portway": {"cost": 2675, "transit": 11, "damage": 155, "reefer": false, "tracking": false, "ease of integration": 5, "documentation": 9, "reliability": 9}, "Rhenus Line": {"cost": 2975, "transit": 3, "damage": 300, "reefer": true, "tracking": true, "ease of integration": 4, "documentation": 3, "reliability": 7}, "Kestrel Haulage": {"cost": 1100, "transit": 10, "damage": 75, "reefer": true, "tracking": true, "ease of integration": 5, "documentation": 5, "reliability": 7}, "Vireo Transport": {"cost": 2700, "transit": 4, "damage": 290, "reefer": false, "tracking": true, "ease of integration": 4, "documentation": 8, "reliability": 6}}, "constraints": [{"attr": "transit", "op": "<=", "value": 7}], "priority": [], "weights": {"ease of integration": 70, "documentation": 20, "reliability": 10}, "years": null, "check": "Kestrel Haulage", "options_q": {"choice": {"portway": "portway", "kestrel_haulage": "kestrel_haulage", "rhenus_line": "rhenus_line", "vireo_transport": "vireo_transport"}}}, "text_sha256": "8814c3e058c333a46c3788488d8048d41aabbbba2d7594fb5dd259dd0c71308e", "state_tokens": 357}}
{"state": "MEMO\nRe: Comparing odds\n\nThere is a thirty percent chance that the shipment clears customs on the first day. There is a forty percent chance that the supplier delivers on time; these two are independent. There is a fifty-five percent chance that the server patch installs without errors.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which is more likely?", "criteria": {"equally_likely": "They are equally likely", "first_event": "At least one of these happens: the shipment clears customs on the first day, or the supplier delivers on time", "second_event": "That the server patch installs without errors"}, "src": "hard_probability", "label": "first_event"}}, "_meta": {"id": "hard-v1/probability/development/00006", "source": "hard_probability", "group_id": "hard-v1/probability/development/00006", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "compare", "facts": {"kind": "compare", "p": {}, "a": {"op": "or", "p1": "30/100", "p2": "40/100"}, "b": "11/20", "options_q": {"choice": {"equally_likely": "equally_likely", "first_event": "first_event", "second_event": "second_event"}}}, "text_sha256": "f175483a31dc161598f1540893d1197b03089c0c3a41bf41efb2d8d4c74a7401", "state_tokens": 58}}
{"state": "MEMO\nRe: Shipping\n\nOrders ship free when the order total after all discounts is at least $100.00; otherwise the standard shipping fee applies. Aiko Kowalski's basket totals $104.16 before discounts. The basket contains three items from the same warehouse.\n\nAiko chose standard delivery.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"free_shipping": "Ship the order free", "not_enough_information": "The information given is not enough to decide", "standard_shipping": "Charge the standard shipping fee"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00071", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00070", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "shipping", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": false, "facts": {"scenario": "shipping", "insufficient_key": "not_enough_information", "params": {"threshold_cents": 10000, "subtotal_cents": 10416, "discount_cents": null}, "deciding_present": false, "options_q": {"decision": {"free_shipping": "free_shipping", "not_enough_information": "not_enough_information", "standard_shipping": "standard_shipping"}}}, "text_sha256": "dddf233f2835230c6cba147707033b9d87ee43be05da6d86fc3dba0efdba2f59", "state_tokens": 71}}
{"state": "MEMO\nRe: Alert from blob store\n\nPaging rule: an alert pages the owning team's primary on-call; if the primary is on leave that day, it pages the secondary; if the secondary is also on leave, it pages the team's engineering manager. Alerts from the event pipeline are owned by the Messaging team. The Messaging engineering manager is Ayla.\n\nThe Storage engineering manager is Lena. Jae is on leave from April 25, 2027 to May 5, 2027 inclusive. Esme is on leave from May 3, 2027 to May 5, 2027 inclusive.\n\nThis week's Storage primary on-call is Jae and the secondary is Diego. Alerts from the blob store are owned by the Checkout team. This week's Messaging primary on-call is Priya and the secondary is Farah.\n\nThe Checkout engineering manager is Tomas. Alerts from the push gateway are owned by the Storage team. This week's Checkout primary on-call is Esme and the secondary is Zainab.\n\nAlerts from the cart service are owned by the Messaging team. On April 30, 2027, an alert fired from the blob store.", "questions": {"paged": {"type": "choice", "instructions": "Who is the right person to page?", "criteria": {"jae": null, "zainab": null, "tomas": null, "esme": null}, "src": "hard_multi_hop", "label": "esme"}}, "_meta": {"id": "hard-v1/multi_hop/development/00084", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00084", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "oncall", "facts": {"kind": "oncall", "routes": {"event pipeline": "Messaging", "push gateway": "Storage", "blob store": "Checkout", "cart service": "Messaging"}, "primary": {"Messaging": "Priya", "Storage": "Jae", "Checkout": "Esme"}, "secondary": {"Messaging": "Farah", "Storage": "Diego", "Checkout": "Zainab"}, "manager": {"Messaging": "Ayla", "Storage": "Lena", "Checkout": "Tomas"}, "leave": {"Esme": [["2027-05-03", "2027-05-05"]], "Jae": [["2027-04-25", "2027-05-05"]]}, "component": "blob store", "date": "2027-04-30", "options_q": {"paged": {"jae": "jae", "zainab": "zainab", "tomas": "tomas", "esme": "esme"}}}, "text_sha256": "8d71dc9e21322b5ad8bda396c4fca5185eabdfd79e060cca47770c443eb56274", "state_tokens": 254}}
{"state": "MEMO\nRe: Group structure\n\nAn entity controls a company if it holds more than 50% of that company's shares, counting shares it holds directly and shares held by companies it controls. Juno Capital owns 71% of Fenwick Industries. Ivel Holdings owns 39% of Birchfield Capital.\n\nFenwick Industries owns 28% of Birchfield Capital. Garrow Trust owns 29% of Fenwick Industries. Juno Capital owns 63% of Cresta Group.\n\nCresta Group owns 33% of Birchfield Capital. Garrow Trust owns 37% of Cresta Group.", "questions": {"controller": {"type": "choice", "instructions": "Name the ultimate controller of Birchfield Capital.", "criteria": {"juno_capital": null, "ivel_holdings": null, "no_controller": "No entity controls it", "cresta_group": null, "fenwick_industries": null}, "src": "hard_multi_hop", "label": "juno_capital"}, "interest": {"type": "choice", "instructions": "What is Juno Capital's effective economic interest in Birchfield Capital (its share of Birchfield Capital's profits through all holdings)?", "criteria": {"a": "28.0%", "b": "81.4%", "c": "61.0%", "d": "71.0%", "e": "40.7%"}, "src": "hard_multi_hop", "label": "e"}}, "_meta": {"id": "hard-v1/multi_hop/development/00070", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00070", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "ownership", "shape": "split", "facts": {"kind": "ownership", "stakes": {"Fenwick Industries": {"Juno Capital": "71/100", "Garrow Trust": "29/100"}, "Cresta Group": {"Juno Capital": "63/100", "Garrow Trust": "37/100"}, "Birchfield Capital": {"Fenwick Industries": "28/100", "Cresta Group": "33/100", "Ivel Holdings": "39/100"}}, "candidates": ["Juno Capital", "Ivel Holdings", "Fenwick Industries", "Cresta Group"], "target": "Birchfield Capital", "top": "Juno Capital", "options_q": {"controller": {"juno_capital": "juno_capital", "ivel_holdings": "ivel_holdings", "no_controller": "no_controller", "cresta_group": "cresta_group", "fenwick_industries": "fenwick_industries"}, "interest": {"a": 280, "b": 814, "c": 610, "d": 710, "e": 407}}}, "text_sha256": "9d9751940ce29bd2a32c0e53aa260bbdab70ec89438bad55f4c0577b63520fc5", "state_tokens": 135}}
{"state": "MEMO\nRe: Price match\n\nWe match a competitor's lower price for an identical item if the competitor has it in stock at the time of the request, but we never match a price more than 15% below ours. If the competitor's price is not lower, no adjustment is needed. Noah Jensen asked us to match Oakhaven Bank's price for the same blender model. Our price is $864.00; Oakhaven Bank lists it at $768.96.\n\nNoah is a returning customer.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"no_adjustment": "No adjustment needed", "decline_match": "Decline the price match", "match_price": "Match the competitor's price", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00077", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00076", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "price_match", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": false, "facts": {"scenario": "price_match", "insufficient_key": "not_enough_information", "params": {"ours_cents": 86400, "theirs_cents": 76896, "max_gap_pct": 15, "in_stock": null}, "deciding_present": false, "options_q": {"decision": {"no_adjustment": "no_adjustment", "decline_match": "decline_match", "match_price": "match_price", "not_enough_information": "not_enough_information"}}}, "text_sha256": "d9237dcdc4cc6d3ab8298d76287a682dc05af845d7358863794857fb38408aa7", "state_tokens": 112}}
{"state": "EMPLOYEE HEALTH BENEFITS PLAN: SUMMARY PLAN DESCRIPTION\nIssued by Wellspring Benefits Administration\nIn this policy, \"the Plan\" means Wellspring Benefits Administration and \"the Member\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Plan, before any deductible, limit or sublimit is applied.\n(2) Business day means Monday to Friday, excluding public holidays.\n(3) Dependant means the Member's spouse or partner, or a child under 21 who is enrolled in the plan.\n(4) Family means the Member's spouse or partner and any children who live with the Member.\n(5) Frames means spectacle frames bought without new lenses.\n(6) Hearing accessories means batteries, chargers and cleaning kits.\n(7) Hearing aid replacement period means 36 months from the purchase of hearing aids funded by the plan.\n(8) Incident means a single event, or a series of events arising from one cause.\n(9) Limit means the most the Plan will pay for all claims under a section arising from one treatment.\n(10) Major restorative work means crowns, bridges, root canal treatment and implants.\n(11) Massage therapy means sports massage, massage therapy and reflexology.\n(12) Network provider means a practitioner or clinic that has an agreement with the Plan to provide treatment.\n(13) Orthodontics means braces and clear aligners.\n(14) Plan year means the twelve months starting on the Member's coverage start date.\n(15) Policy period means twelve months from the policy start date shown in the Member's schedule.\n(16) Premium means the amount the Member must pay for this policy, including any taxes.\n(17) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(18) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(19) Registered practitioner means a practitioner registered with the professional body for their discipline.\n(20) Replacement period means 24 months from the date of the Member's last eyewear claim.\n(21) Schedule means the document issued with this policy that shows the Member's details, the covers the Member bought and any extensions.\n(22) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n\n§ 2  Limits and deductible\n(1) Dental Care: limit $1,000 per treatment; deductible $100 per claim.\n(2) Vision Care: limit $500 per treatment; deductible $25 per claim.\n(3) Therapy Services: limit $1,500 per treatment; deductible $50 per claim.\n(4) Hearing Care: limit $1,000 per treatment; deductible $100 per claim.\n(5) The deductible is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 4  Communication\n(1) The Plan will communicate with the Member in English.\n(2) The Plan may record telephone calls for training and quality purposes.\n\n§ 5  Payment of claims\n(1) The Plan will pay claims by bank transfer to an account in the Member's name.\n(2) The Plan aims to pay accepted claims within 10 working days of receiving all the documents the Plan needs.\n\n§ 6  Recovery of costs\n(1) If the Plan pays a claim that is later found not to be covered, the Plan may ask the Member to repay the amount.\n\n§ 7  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 8  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 9  Vision Care\n(1) The Plan will reimburse eye tests and prescription eyewear.\n(2) The most the Plan will pay for Frames under this section is $120 per treatment.\n(3) The Plan will not pay for eyewear without prescription lenses.\n(4) The Plan will not pay for a further eyewear claim within the replacement period.\n\n§ 10  Leaving the plan\n(1) Cover ends on the day the Member's employment ends or the day the Member stops being eligible, whichever is earlier.\n(2) Claims for treatment received before cover ended may be submitted up to 90 days afterwards.\n\n§ 11  Third-party administrators\n(1) The Plan may appoint another company to handle claims or other services on the Plan's behalf.\n(2) Any company the Plan appoints must follow the terms of this policy and applicable data protection law.\n\n§ 12  Eligibility\n(1) Employees who work at least 20 hours a week are eligible to join the plan from their first day of employment.\n(2) Contractors, agency workers and employees on unpaid leave of more than three months are not eligible.\n\n§ 13  Dental Care\n(1) The Plan will reimburse the cost of dental treatment provided by a licensed dentist.\n(2) No cover applies under this section to any treatment that happens within the first 60 days after the policy start date.\n(3) The most the Plan will pay for Major restorative work under this section is $500 per treatment.\n(4) The most the Plan will pay for Orthodontics under this section is $600 per treatment.\n(5) The Plan will not pay for treatment that is mainly cosmetic, such as whitening or veneers. This exclusion does not apply to treatment needed to repair damage caused by an accident.\n(6) The Plan will not pay for treatment by a provider outside the plan's network. This exclusion does not apply to emergency treatment for sudden severe pain.\n\n§ 14  Compensation scheme\n(1) The Plan is covered by a financial services compensation scheme.\n(2) If the Plan cannot meet the Plan's obligations, the Member may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 15  Records and evidence\n(1) The Member should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Plan may base any settlement on the price of a comparable item.\n(3) The Plan may ask for evidence of how and when an item was acquired.\n\n§ 16  Therapy Services\n(1) The Plan will reimburse physiotherapy, osteopathy and counselling provided by a registered practitioner.\n(2) The most the Plan will pay for Massage therapy under this section is $300 per treatment.\n(3) The Plan will not pay for treatment of an injury covered by workers' compensation.\n(4) The Plan will not pay for treatment by a practitioner who is not registered with the relevant professional body.\n\n§ 17  Optional cover: Hearing Care\n(1) The Plan will reimburse hearing tests and hearing aids.\n(2) This section applies only if it is shown as purchased in the Member's schedule.\n(3) The most the Plan will pay for Hearing accessories under this section is $150 per treatment.\n(4) The Plan will not pay for replacement hearing aids bought within the hearing aid replacement period.\n\n§ 18  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Plan will pay only the Plan's proportionate share.\n(2) The Member must tell the Plan about any other insurance that covers the same loss when the Member makes a claim.\n\n§ 19  Changes in circumstances\n(1) The Member must tell the Plan as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Plan may then change the premium or the terms of this policy, or cancel it.\n\n§ 20  Reasonable precautions\n(1) The Member must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Member must take reasonable steps to recover lost or stolen property.\n\n§ 21  Cancellation\n(1) The Member can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Member can cancel at any time; the Plan will refund the premium for the unexpired period less an administration charge of $15.\n(3) The Plan can cancel this policy by giving the Member 30 days' written notice to the last address the Plan holds.\n\n§ 22  Exchange of information\n(1) To prevent fraud, the Plan may check the details the Member gives against public records and industry databases.\n(2) The Plan may contact previous insurers to confirm the Member's claims history.\n\n§ 23  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Plan may charge the premium without the discount from that date.\n\n§ 24  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Plan may adjust the premium from the date of the change.\n\n§ 25  Duty of fair presentation\n(1) The Member must answer all questions the Plan asks honestly and to the best of the Member's knowledge.\n(2) If the Member gives incorrect information deliberately or recklessly, the Plan may treat this policy as if it never existed and keep the premium.\n(3) If the Member gives incorrect information carelessly, the Plan may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 26  Instalment agreements\n(1) If the Member pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 27  Subrogation\n(1) The Plan will be entitled to take over and conduct in the Member's name the defence or settlement of any claim.\n(2) The Plan can take action in the Member's name to recover any payment the Plan makes from anyone responsible for the loss.\n\n§ 28  Sanctions\n(1) The Plan will not provide cover or pay any claim to the extent that doing so would expose the Plan to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 29  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 30  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 31  Premium payment\n(1) The Member must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 7 days of its due date, the Plan may cancel the policy after giving notice.\n\n§ 32  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Plan will not pay the claim and all cover under this policy may be cancelled.\n(2) The Plan may share information with fraud prevention agencies and other insurers.\n\n§ 33  Dependants\n(1) The Member may enrol dependants at the start of each plan year or within 30 days of a qualifying life event.\n(2) Benefits paid for dependants count towards the same annual limits as the Member's own claims.\n\n§ 34  General exclusions\n(1) The Plan will not pay for any deliberate or criminal act by the Member.\n(2) The Plan will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(3) The Plan will not pay for loss caused by nuclear radiation or radioactive contamination.\n(4) The Plan will not pay for loss arising from a government order or sanction that prohibits the Plan from paying.\n(5) The Plan will not pay for loss or damage caused by war, invasion, or civil war.\n(6) The Plan will not pay for any fraudulent claim or any claim supported by false documents.\n\n§ 35  Electronic documents\n(1) The Plan will send documents by email unless the Member asks for paper copies.\n(2) The Member must tell the Plan if the Member's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 36  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 37  Making a claim\n(1) The Member must notify the Plan of a claim within 30 days of the treatment. The Plan will not pay any claim notified after that time.\n(2) The Plan may appoint a loss adjuster to investigate any claim.\n(3) The Member must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 38  Cooperation\n(1) The Member must give the Plan all the help and information the Plan reasonably need to settle a claim.\n(2) The Member must not admit liability or offer to settle any claim without the Plan's written permission.\n\n=== CLAIM ===\nClaim summary: Jonas Bauer; policy D659250; policy start 12 October 2025; schedule covers Dental Care, Vision Care, Therapy Services, Hearing Care; extensions none. Section claimed: Hearing Care, for hearing aid batteries and a charger. Treatment date 19 January 2026; notified 15 February 2026; assessed loss $158. Facts: Jonas's previous plan-funded hearing aids were bought 28 months before this claim. Jonas joined the company's finance team two years ago. Jonas submitted receipts through the benefits portal.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_limit": "Pay up to the Hearing Care limit", "pay_less_fee": "Pay the assessed loss less the deductible", "deny_replacement": "Decline under the early replacement exclusion (§ 17(4))", "deny_waiting": "Decline: the treatment happened during the waiting period (§ 13(2))", "not_covered": "Decline: Hearing Care is not a cover shown in the schedule"}, "src": "hard_long_policy", "label": "deny_replacement"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$158", "b": "$50", "c": "$150", "d": "$900", "e": "$0"}, "src": "hard_long_policy", "label": "e"}}, "_meta": {"id": "hard-v1/long_policy/development/00063", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00063", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "benefits", "target": "deny_exclusion", "category": "hearing", "tempting": null, "facts": {"domain": "benefits", "fee_order": "before", "notice_days": 30, "categories": {"dental": {"limit": 1000, "fee": 100, "waiting": 60, "purchased": true}, "vision": {"limit": 500, "fee": 25, "waiting": 0, "purchased": true}, "therapy": {"limit": 1500, "fee": 50, "waiting": 0, "purchased": true}, "hearing": {"limit": 1000, "fee": 100, "waiting": 0, "purchased": true}}, "classes": {"major": {"category": "dental", "cap": 500}, "ortho": {"category": "dental", "cap": 600}, "frames": {"category": "vision", "cap": 120}, "massage": {"category": "therapy", "cap": 300}, "accessories": {"category": "hearing", "cap": 150}}, "exclusions": [{"key": "cosmetic", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "out_of_network", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "non_prescription", "categories": ["vision"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "frequency", "categories": ["vision"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}, {"key": "work_injury", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unregistered", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "replacement", "categories": ["hearing"], "kind": "threshold", "thr": 36, "cmp": "lt", "has_exception": false}], "case": {"category": "hearing", "item": "the batteries and charger", "item_class": "accessories", "loss_cents": 15800, "start": "2025-10-12", "incident": "2026-01-19", "reported": "2026-02-15", "conditions": {}, "values": {"replacement": 28}, "exceptions": {}}, "options_q": {"outcome": {"pay_limit": "pay_limit", "pay_less_fee": "pay_less_fee", "deny_replacement": "deny_replacement", "deny_waiting": "deny_waiting", "not_covered": "not_covered"}, "amount": {"a": 15800, "b": 5000, "c": 15000, "d": 90000, "e": 0}}}, "text_sha256": "3758ac500bc832ac81405ca6f2ea9e777cd065895569f7fcec4b6c24437daf91", "state_tokens": 3166}}
{"state": "SPEC SHEET: a managed cloud provider for the analytics platform\nHalcyon Compute | monthly cost=$4,750 | p95 latency=85 ms | uptime commitment=99.75% | ease of use score=7/10 | reliability score=9/10 | support quality score=7/10 | SOC 2 Type II report=no | EU data residency=yes\nStratus Cloud | monthly cost=$1,150 | p95 latency=150 ms | uptime commitment=99.98% | ease of use score=3/10 | reliability score=10/10 | support quality score=7/10 | SOC 2 Type II report=yes | EU data residency=no\nCorelink | monthly cost=$3,750 | p95 latency=205 ms | uptime commitment=99.77% | ease of use score=4/10 | reliability score=6/10 | support quality score=5/10 | SOC 2 Type II report=yes | EU data residency=yes\nDriftnet | monthly cost=$2,850 | p95 latency=100 ms | uptime commitment=99.87% | ease of use score=10/10 | reliability score=7/10 | support quality score=8/10 | SOC 2 Type II report=no | EU data residency=yes\nBlueshift | monthly cost=$3,850 | p95 latency=50 ms | uptime commitment=99.83% | ease of use score=7/10 | reliability score=6/10 | support quality score=10/10 | SOC 2 Type II report=no | EU data residency=no\nR1: it must offer SOC 2 Type II report\nSelection: Each option has been scored from 1 to 10 on ease of use, reliability and support quality (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 40% ease of use, 40% reliability, 20% support quality.", "questions": {"choice": {"type": "choice", "instructions": "Which provider best satisfies the brief?", "criteria": {"stratus_cloud": null, "corelink": null, "driftnet": null, "none_qualifies": "Reject all options: none meets the requirements", "blueshift": null, "halcyon_compute": null}, "src": "hard_tradeoff", "label": "stratus_cloud"}, "meets": {"type": "noul", "instructions": "Is Stratus Cloud compliant with all the hard requirements?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00073", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00073", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "provider", "none_case": false, "facts": {"rule": "weighted", "options": {"Halcyon Compute": {"cost": 4750, "latency": 85, "uptime": 9975, "soc2": false, "eu": true, "ease of use": 7, "reliability": 9, "support quality": 7}, "Stratus Cloud": {"cost": 1150, "latency": 150, "uptime": 9998, "soc2": true, "eu": false, "ease of use": 3, "reliability": 10, "support quality": 7}, "Corelink": {"cost": 3750, "latency": 205, "uptime": 9977, "soc2": true, "eu": true, "ease of use": 4, "reliability": 6, "support quality": 5}, "Driftnet": {"cost": 2850, "latency": 100, "uptime": 9987, "soc2": false, "eu": true, "ease of use": 10, "reliability": 7, "support quality": 8}, "Blueshift": {"cost": 3850, "latency": 50, "uptime": 9983, "soc2": false, "eu": false, "ease of use": 7, "reliability": 6, "support quality": 10}}, "constraints": [{"attr": "soc2", "op": "is", "value": true}], "priority": [], "weights": {"ease of use": 40, "reliability": 40, "support quality": 20}, "years": null, "check": "Stratus Cloud", "options_q": {"choice": {"stratus_cloud": "stratus_cloud", "corelink": "corelink", "driftnet": "driftnet", "none_qualifies": "none_qualifies", "blueshift": "blueshift", "halcyon_compute": "halcyon_compute"}}}, "text_sha256": "dd0a1e8b795bc5dd2b6c9ff8960b133c7bcb6b24b0b63bdad049c906d1bf21ff", "state_tokens": 458}}
{"state": "MEMO\nRe: Approval\n\nPurchases under $500 need no approval. Purchases from $500 up to $10,000 must be approved by a Manager or more senior; purchases above $10,000 must be approved by a Director or more senior. Seniority: Analyst, Engineer, Manager, Senior Manager, Director, Vice President, Chief Executive. Rafael Brennan submitted a purchase of $225 for conference travel. The purchase was approved by Jae Abara.\n\nJae Abara is a Vice President. Hugo Iyer, who leads the travel desk, is a Director.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"approval_invalid": "The approval is not valid under the rule", "not_enough_information": "The information given is not enough to decide", "approval_valid": "The purchase is properly approved"}, "src": "hard_ambiguous", "label": "approval_valid"}}, "_meta": {"id": "hard-v1/ambiguous/development/00040", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00040", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "approval", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "approval", "insufficient_key": "not_enough_information", "params": {"amount": 225, "no_approval_below": 500, "director_above": 10000, "title": "Vice President"}, "deciding_present": true, "options_q": {"decision": {"approval_invalid": "approval_invalid", "not_enough_information": "not_enough_information", "approval_valid": "approval_valid"}}}, "text_sha256": "dc18d22ae8d4824cb5607f78f5e9a2e4ef94506b412bb223a95d5f561dfb5cf6", "state_tokens": 130}}
{"state": "MEMO\nRe: Warranty\n\nThe warranty covers manufacturing defects for 24 months from the purchase date. Accidental damage is never covered. Sana Costa bought a coffee machine on 14 March 2026. Sana made a warranty claim on 4 April 2027.\n\nThe technician found the machine had been dropped. Sana registered the machine online.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_covered": "Not covered by the warranty", "not_enough_information": "The information given is not enough to decide", "repair_under_warranty": "Repair under warranty"}, "src": "hard_ambiguous", "label": "not_covered"}}, "_meta": {"id": "hard-v1/ambiguous/development/00068", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00068", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "warranty", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "warranty", "insufficient_key": "not_enough_information", "params": {"months": 24, "purchase": "2026-03-14", "claim": "2027-04-04", "cause": "accident"}, "deciding_present": true, "options_q": {"decision": {"not_covered": "not_covered", "not_enough_information": "not_enough_information", "repair_under_warranty": "repair_under_warranty"}}}, "text_sha256": "19f7c9690aa30eac24d2ca2b162cbf2519bd9f3a78c01fec3d4f2aa1789cb0a5", "state_tokens": 80}}
{"state": "MEMO\nRe: Shipping\n\nOrders ship free when the order total after all discounts is at least $50.00; otherwise the standard shipping fee applies. Ravi Ivanova's basket totals $67.42 before discounts. A coupon was applied at checkout, but its value is not shown.\n\nThe basket contains three items from the same warehouse. Ravi chose standard delivery.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "free_shipping": "Ship the order free", "standard_shipping": "Charge the standard shipping fee"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00057", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00056", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "shipping", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": true, "facts": {"scenario": "shipping", "insufficient_key": "not_enough_information", "params": {"threshold_cents": 5000, "subtotal_cents": 6742, "discount_cents": null}, "deciding_present": false, "options_q": {"decision": {"not_enough_information": "not_enough_information", "free_shipping": "free_shipping", "standard_shipping": "standard_shipping"}}}, "text_sha256": "4ec9a1640fe684e19d044fe684fdc136c9d2ccce7b7d99da4cd00d355e3e4ac6", "state_tokens": 81}}
{"state": "MEMO\nRe: Tenure\n\nEmployees are eligible for a sabbatical once they have completed 2 years of continuous employment with the company on the date they apply. Jonas Mbeki applied for the sabbatical on 8 May 2026. Jonas moved to the Payments team on 23 January 2025.\n\nJonas's manager supports the application.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"eligible": "Eligible for the sabbatical", "not_enough_information": "The information given is not enough to decide", "not_eligible": "Not yet eligible"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00005", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00004", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "tenure", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": false, "facts": {"scenario": "tenure", "insufficient_key": "not_enough_information", "params": {"years": 2, "apply": "2026-05-08", "hired": null, "moved": "2025-01-23"}, "deciding_present": false, "options_q": {"decision": {"eligible": "eligible", "not_enough_information": "not_enough_information", "not_eligible": "not_eligible"}}}, "text_sha256": "59b50ac37276cdc7543ad6689da14dcc3d72200b5c3a7d967c80979bf3a58c6c", "state_tokens": 80}}
{"state": "MEMO\nRe: Overtime\n\nHours beyond 40 in a Monday-to-Sunday week are overtime. No shift may exceed 10 hours. Emeka Delgado worked 9 hours on Monday. Emeka Delgado worked 10 hours on Tuesday.\n\nEmeka Delgado worked 8 hours on Wednesday. Emeka Delgado worked 9 hours on Thursday. Emeka's Friday timesheet has not been submitted.\n\nEmeka did not work at the weekend.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"no_overtime": "No overtime is due for this week", "overtime_due": "Overtime is due for this week", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00073", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00072", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "overtime", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": true, "facts": {"scenario": "overtime", "insufficient_key": "not_enough_information", "params": {"hours": [9, 10, 8, 9, null], "max_shift": 10}, "deciding_present": false, "options_q": {"decision": {"no_overtime": "no_overtime", "overtime_due": "overtime_due", "not_enough_information": "not_enough_information"}}}, "text_sha256": "3e0967775b026f4135704c0cda2103fba01076f5b5b7d9942e64392732ed3b93", "state_tokens": 99}}
{"state": "MEMO\nRe: Shift pay check\n\nA warehouse worker clocked in at 15:45 on January 23, 2026 and clocked out at 03:30 the next day. They took a 20-minute unpaid break. The hourly rate is $28.50.\n\nPaid time beyond 8 hours in a shift is paid at 1.5 times the hourly rate.", "questions": {"pay": {"type": "choice", "instructions": "Shift pay due:", "criteria": {"a": "$488.06", "b": "$388.31", "c": "$374.06", "d": "$325.38", "e": "$334.88"}, "src": "hard_temporal_numeric", "label": "c"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00051", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00051", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "shift", "overtime": true, "facts": {"kind": "shift", "start": "2026-01-23T15:45", "end": "2026-01-24T03:30", "break_min": 20, "rate_cents": 2850, "ot_after_h": 8, "options_q": {"pay": {"a": 48806, "b": 38831, "c": 37406, "d": 32538, "e": 33488}}}, "text_sha256": "3869f7aa244ec1e243a83202de83144797f52a34dfb2d28d4477d9e366ac16ca", "state_tokens": 91}}
{"state": "REVIEW REQUEST\nItem: Monthly active users went from 2,343 to 1,307. What is the percentage change, to one decimal place (negative for a decrease)?\nSubmitted result: 55.8%", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "-44.2%", "b": "44.2%", "c": "-1,036.0%", "d": "-79.3%", "e": "55.8%"}, "src": "hard_judge", "label": "a"}}, "_meta": {"id": "hard-v1/judge/development/00074", "source": "hard_judge", "group_id": "hard-v1/judge/development/00074", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "pct_change", "error": "ratio", "facts": {"kind": "pct_change", "args": {"old": 2343, "new": 1307}, "dp": 1, "proposed": 558, "error": "ratio", "options_q": {"value": {"a": -442, "b": 442, "c": -10360, "d": -793, "e": 558}}}, "text_sha256": "368bdacc66ea168068296b267204df94eb0a6c53844dbc81714392d51442339a", "state_tokens": 51}}
{"state": "REVIEW REQUEST\nItem: Monthly active users went from 3,325 to 2,090. What is the percentage change, to one decimal place (negative for a decrease)?\nSubmitted result: -37.1%", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "62.9%", "b": "-59.1%", "c": "-1,235.0%", "d": "37.1%", "e": "-37.1%"}, "src": "hard_judge", "label": "e"}}, "_meta": {"id": "hard-v1/judge/development/00060", "source": "hard_judge", "group_id": "hard-v1/judge/development/00060", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "pct_change", "error": null, "facts": {"kind": "pct_change", "args": {"old": 3325, "new": 2090}, "dp": 1, "proposed": -371, "error": null, "options_q": {"value": {"a": 629, "b": -591, "c": -12350, "d": 371, "e": -371}}}, "text_sha256": "6aa1b631065fba23ba5e3d40564a770f0589c9a506bdc43540645e5c1fda1273", "state_tokens": 51}}
{"state": "MEMO\nRe: Outage: session-cache\n\nOutages propagate along hard dependencies: if a service goes down, every service that depends on it, directly or through other hard dependencies, is affected. Soft dependencies do not propagate outages. notification-hub depends on user-profile. cdn-edge depends on session-cache.\n\npricing-engine depends on ledger-service. billing-api depends on search-indexer. session-cache depends on ledger-service.\n\nreporting-etl depends on cdn-edge (soft dependency: it degrades gracefully and keeps working if cdn-edge is down). search-indexer depends on cdn-edge. user-profile depends on catalog-api.\n\nsession-cache is currently down.", "questions": {"affected": {"type": "choice", "instructions": "Which of these will the outage reach?", "criteria": {"pricing_engine": null, "billing_api": null, "reporting_etl": null, "ledger_service": null}, "src": "hard_multi_hop", "label": "billing_api"}}, "_meta": {"id": "hard-v1/multi_hop/development/00088", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00088", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "deps", "hops": 3, "soft": true, "facts": {"kind": "deps", "edges": [["cdn-edge", "session-cache", false], ["search-indexer", "cdn-edge", false], ["billing-api", "search-indexer", false], ["session-cache", "ledger-service", false], ["user-profile", "catalog-api", false], ["pricing-engine", "ledger-service", false], ["reporting-etl", "cdn-edge", true], ["notification-hub", "user-profile", false]], "down": "session-cache", "candidates": ["billing-api", "ledger-service", "pricing-engine", "reporting-etl"], "options_q": {"affected": {"pricing_engine": "pricing_engine", "billing_api": "billing_api", "reporting_etl": "reporting_etl", "ledger_service": "ledger_service"}}}, "text_sha256": "5d12289d629f1e1e7be892bb4f9b9bb56043fd2ab831c34d7decd35d26d3322d", "state_tokens": 139}}
{"state": "REVIEW REQUEST\nItem: Rule: a discount applies only if neither the item is on clearance nor the customer used a promo code. Facts: it is not true that the item is on clearance; the customer used a promo code; the order ships to a domestic address. Does the discount apply?\nSubmitted result: No, the discount does not apply.", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}}, "_meta": {"id": "hard-v1/judge/development/00090", "source": "hard_judge", "group_id": "hard-v1/judge/development/00090", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "logic", "error": null, "facts": {"kind": "logic", "args": {"atoms": ["clearance", "promo", "domestic"], "form": "not_or", "values": {"clearance": false, "promo": true, "domestic": true}}, "proposed": false, "error": null}, "text_sha256": "c93bf814d8113ac2261faf2212c0e838851c77d28841c97171982d1f279260b9", "state_tokens": 72}}
{"state": "SPEC SHEET: a freight carrier for the Rotterdam to Milan lane\nPortway | price per shipment=$2,000 | transit time=4 days | damage rate=1.45% | security score=9/10 | ease of use score=6/10 | support quality score=4/10 | temperature-controlled trailers=no | live GPS tracking=no\nRhenus Line | price per shipment=$1,900 | transit time=4 days | damage rate=0.65% | security score=7/10 | ease of use score=8/10 | support quality score=3/10 | temperature-controlled trailers=yes | live GPS tracking=yes\nKestrel Haulage | price per shipment=$3,875 | transit time=9 days | damage rate=0.75% | security score=10/10 | ease of use score=8/10 | support quality score=9/10 | temperature-controlled trailers=no | live GPS tracking=yes\nMeridian Cargo | price per shipment=$3,300 | transit time=6 days | damage rate=1.95% | security score=4/10 | ease of use score=3/10 | support quality score=3/10 | temperature-controlled trailers=no | live GPS tracking=yes\nR1: its transit time must be at most 5 days\nSelection: Each option has been scored from 1 to 10 on security, ease of use and support quality (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 40% security, 35% ease of use, 25% support quality.", "questions": {"choice": {"type": "choice", "instructions": "Which carrier best satisfies the brief?", "criteria": {"kestrel_haulage": null, "portway": null, "rhenus_line": null, "meridian_cargo": null}, "src": "hard_tradeoff", "label": "portway"}, "meets": {"type": "noul", "instructions": "Is Portway compliant with all the hard requirements?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00095", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00095", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "carrier", "none_case": false, "facts": {"rule": "weighted", "options": {"Portway": {"cost": 2000, "transit": 4, "damage": 145, "reefer": false, "tracking": false, "security": 9, "ease of use": 6, "support quality": 4}, "Rhenus Line": {"cost": 1900, "transit": 4, "damage": 65, "reefer": true, "tracking": true, "security": 7, "ease of use": 8, "support quality": 3}, "Kestrel Haulage": {"cost": 3875, "transit": 9, "damage": 75, "reefer": false, "tracking": true, "security": 10, "ease of use": 8, "support quality": 9}, "Meridian Cargo": {"cost": 3300, "transit": 6, "damage": 195, "reefer": false, "tracking": true, "security": 4, "ease of use": 3, "support quality": 3}}, "constraints": [{"attr": "transit", "op": "<=", "value": 5}], "priority": [], "weights": {"security": 40, "ease of use": 35, "support quality": 25}, "years": null, "check": "Portway", "options_q": {"choice": {"kestrel_haulage": "kestrel_haulage", "portway": "portway", "rhenus_line": "rhenus_line", "meridian_cargo": "meridian_cargo"}}}, "text_sha256": "13704ef4a8fc7de1a94f9c976a9cd80182ed6ac73a650563c9a6e83a3a526f98", "state_tokens": 361}}
{"state": "MEMO\nRe: Approval routing\n\nPurchase requests of this size must be approved by the nearest person above the requester in the reporting line whose title is Director or more senior. Seniority, from junior to senior: Analyst, Engineer, Manager, Senior Manager, Director, Vice President, Chief Executive. Maya reports to Colm. Ashok reports to Ravi.\n\nLuca reports to Idris. Maya is a Manager. Ashok is an Engineer.\n\nColm is a Manager. Ravi is a Manager. Luca is a Vice President.\n\nIdris is a Chief Executive. Amara is an Engineer. Tess is a Director.\n\nRavi reports to Colm. Colm reports to Tess. Tess reports to Luca.\n\nAmara reports to Maya. Amara has submitted a purchase request for $39,750.", "questions": {"approver": {"type": "choice", "instructions": "Which person has to approve the request?", "criteria": {"colm": null, "idris": null, "tess": null, "maya": null, "luca": null}, "src": "hard_multi_hop", "label": "tess"}}, "_meta": {"id": "hard-v1/multi_hop/development/00027", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00027", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "org", "rule": "title", "hops": 5, "facts": {"kind": "org", "reports": {"Luca": "Idris", "Tess": "Luca", "Colm": "Tess", "Ravi": "Colm", "Maya": "Colm", "Ashok": "Ravi", "Amara": "Maya"}, "titles": {"Idris": "Chief Executive", "Luca": "Vice President", "Tess": "Director", "Colm": "Manager", "Ravi": "Manager", "Maya": "Manager", "Ashok": "Engineer", "Amara": "Engineer"}, "requester": "Amara", "rule": "title", "min_title": "Director", "options_q": {"approver": {"colm": "colm", "idris": "idris", "tess": "tess", "maya": "maya", "luca": "luca"}}}, "text_sha256": "79024259ff4eb3f3fdcdce31fb6cd22bedcece547d7c8db56e5f8f84f70e637f", "state_tokens": 173}}
{"state": "DEVICE PROTECTION PLAN TERMS\nIssued by Voltguard Protection Ltd\nIn this policy, \"the Provider\" means Voltguard Protection Ltd and \"the Customer\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Accessories means cases, chargers, earbuds and styluses.\n(2) Accessories means cases, chargers and earbuds.\n(3) Authorised repairer means a repairer approved in writing by the Provider.\n(4) Battery replacement means replacement batteries and battery repairs.\n(5) Breakdown means the failure of a part to work as the manufacturer intended, from an internal electrical or mechanical fault.\n(6) Business day means Monday to Friday, excluding public holidays.\n(7) Device means the item shown in the schedule, bought new from an authorised retailer.\n(8) Family means the Customer's spouse or partner and any children who live with the Customer.\n(9) Incident means a single event, or a series of events arising from one cause.\n(10) Limit means the most the Provider will pay for all claims under a section arising from one incident.\n(11) Manufacturer's warranty period means the first 12 months after the device was bought.\n(12) Policy period means twelve months from the policy start date shown in the Customer's schedule.\n(13) Premium means the amount the Customer must pay for this policy, including any taxes.\n(14) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(15) Replacement device means a device of the same or similar specification, which may be refurbished.\n(16) Schedule means the document issued with this policy that shows the Customer's details, the covers the Customer bought and any extensions.\n(17) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(18) Wearables means smartwatches and fitness trackers.\n\n§ 2  Limits and service fee\n(1) Accidental Damage: limit $1,500 per incident; service fee $49 per claim.\n(2) Breakdown: limit $1,000 per incident; service fee $49 per claim.\n(3) Theft and Loss: limit $800 per incident; service fee $99 per claim.\n(4) The service fee is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Breakdown\n(1) The Provider will repair or replace the Customer's device if it stops working because of an electrical or mechanical fault.\n(2) No cover applies under this section to any incident that happens within the first 30 days after the policy start date.\n(3) The most the Provider will pay for Battery replacement under this section is $120 per incident.\n(4) The Provider will not pay for breakdowns during the manufacturer's warranty period.\n(5) The Provider will not pay for breakdown caused by liquid getting into the device.\n\n§ 4  Accidental Damage\n(1) The Provider will repair or replace the Customer's device if it is accidentally damaged.\n(2) The most the Provider will pay for Accessories under this section is $100 per incident.\n(3) The most the Provider will pay for Wearables under this section is $300 per incident.\n(4) The Provider will not pay for cosmetic damage, such as scratches or dents, that does not affect how the device works.\n(5) The Provider will not pay for damage following a repair by anyone other than the Provider or an authorised repairer. This exclusion does not apply if the Provider approved the repair in writing beforehand.\n\n§ 5  Optional cover: Theft and Loss\n(1) The Provider will replace the Customer's device if it is stolen or lost.\n(2) This section applies only if it is shown as purchased in the Customer's schedule.\n(3) The most the Provider will pay for Accessories under this section is $100 per incident.\n(4) The Provider will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Provider will not pay for theft that was not reported to the police.\n\n§ 6  General exclusions\n(1) The Provider will not pay for loss or damage caused by war, invasion, or civil war.\n(2) The Provider will not pay for any deliberate or criminal act by the Customer.\n(3) The Provider will not pay for loss arising from a government order or sanction that prohibits the Provider from paying.\n(4) The Provider will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(5) The Provider will not pay for any fraudulent claim or any claim supported by false documents.\n\n§ 7  Making a claim\n(1) The Customer must notify the Provider of a claim within 60 days of the incident. The Provider will not pay any claim notified after that time.\n(2) The Provider may appoint a loss adjuster to investigate any claim.\n(3) The Customer must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 8  Communication\n(1) The Provider will communicate with the Customer in English.\n(2) The Provider may record telephone calls for training and quality purposes.\n\n§ 9  Software support\n(1) The Provider's helpline can give advice on setting up and using the Customer's device.\n(2) Software support does not include fixing problems caused by third-party apps or unofficial operating systems.\n\n§ 10  Reasonable precautions\n(1) The Customer must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Customer must take reasonable steps to recover lost or stolen property.\n\n§ 11  Customer support\n(1) The Provider's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Customer can leave a message and the Provider will call back on the next working day.\n\n§ 12  Records and evidence\n(1) The Customer should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Provider may base any settlement on the price of a comparable item.\n(3) The Provider may ask for evidence of how and when an item was acquired.\n\n§ 13  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 14  Exchange of information\n(1) To prevent fraud, the Provider may check the details the Customer gives against public records and industry databases.\n(2) The Provider may contact previous insurers to confirm the Customer's claims history.\n\n§ 15  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 16  Payment of claims\n(1) The Provider will pay claims by bank transfer to an account in the Customer's name.\n(2) The Provider aims to pay accepted claims within 10 working days of receiving all the documents the Provider needs.\n\n§ 17  Subrogation\n(1) The Provider will be entitled to take over and conduct in the Customer's name the defence or settlement of any claim.\n(2) The Provider can take action in the Customer's name to recover any payment the Provider makes from anyone responsible for the loss.\n\n§ 18  Interest\n(1) The Provider will not pay interest on any claim payment unless the law requires it.\n\n§ 19  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 20  Change of address\n(1) The Customer must tell the Provider within 30 days if the Customer changes the Customer's address.\n(2) The Provider may change the premium or the terms from the date of the move.\n\n§ 21  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Provider may adjust the premium from the date of the change.\n\n§ 22  Compensation scheme\n(1) The Provider is covered by a financial services compensation scheme.\n(2) If the Provider cannot meet the Provider's obligations, the Customer may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 23  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 24  Instalment agreements\n(1) If the Customer pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 25  Environmental commitment\n(1) Where practical, the Provider will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Customer may ask for a new part instead, and the Provider will tell the Customer whether any additional cost would apply.\n\n§ 26  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 27  Waiver\n(1) If the Provider does not enforce any term of this policy, that does not mean the Provider has given up the right to enforce it later.\n\n§ 28  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 29  Claims documents\n(1) The Customer must provide, at the Customer's own expense, original receipts, invoices, reports and any other evidence the Provider reasonably ask for.\n(2) The Provider may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 30  Salvage\n(1) When the Provider replaces an item, the damaged or recovered item becomes the Provider's property.\n(2) If stolen property is recovered after the Provider has paid a claim, the Customer must tell the Provider and either return the payment or give the Provider the property.\n\n§ 31  Third-party administrators\n(1) The Provider may appoint another company to handle claims or other services on the Provider's behalf.\n(2) Any company the Provider appoints must follow the terms of this policy and applicable data protection law.\n\n§ 32  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 33  Sanctions\n(1) The Provider will not provide cover or pay any claim to the extent that doing so would expose the Provider to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 34  Duty of fair presentation\n(1) The Customer must answer all questions the Provider asks honestly and to the best of the Customer's knowledge.\n(2) If the Customer gives incorrect information deliberately or recklessly, the Provider may treat this policy as if it never existed and keep the premium.\n(3) If the Customer gives incorrect information carelessly, the Provider may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 35  Recovery of costs\n(1) If the Provider pays a claim that is later found not to be covered, the Provider may ask the Customer to repay the amount.\n\n§ 36  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Provider will not pay the claim and all cover under this policy may be cancelled.\n(2) The Provider may share information with fraud prevention agencies and other insurers.\n\n§ 37  Inflation\n(1) The Provider may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Customer's renewal documents; limits do not change during a policy period.\n\n§ 38  Complaints\n(1) If the Customer has a complaint, the Customer should first contact the Provider's customer relations team, quoting the policy number.\n(2) The Provider will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Customer remains dissatisfied, the Customer may be able to refer the complaint to an independent ombudsman service.\n\n§ 39  Cancellation\n(1) The Customer can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Customer can cancel at any time; the Provider will refund the premium for the unexpired period less an administration charge of $25.\n(3) The Provider can cancel this policy by giving the Customer 30 days' written notice to the last address the Provider holds.\n\n§ 40  Changes in circumstances\n(1) The Customer must tell the Provider as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Provider may then change the premium or the terms of this policy, or cancel it.\n\n§ 41  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 42  Notices\n(1) Any notice the Provider gives under this policy will be sent to the most recent postal or email address the Provider holds.\n(2) Notices from the Customer should be sent to the address shown in the schedule.\n\n§ 43  Data protection\n(1) The Provider will use the personal information the Customer provides to administer this policy and to handle claims.\n(2) The Provider will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Customer can ask for a copy of the personal information the Provider holds by writing to the Provider's data protection officer.\n\n=== CLAIM ===\nClaim summary: Idris Quinn; policy B169410; policy start 13 May 2026; schedule covers Accidental Damage, Breakdown, Theft and Loss; extensions none. Section claimed: Breakdown, for a games console with a failed disc drive. Incident date 19 May 2026; notified 17 July 2026; assessed loss $381. Facts: The device was bought 14 months before it broke down. The technician found a failed component on the main board. The technician found no sign of liquid inside the device. Idris bought the device from an authorised retailer. Idris uses the device mainly for work.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_late": "Decline: the claim was notified too late (§ 7(1))", "deny_liquid": "Decline under the liquid damage exclusion (§ 3(5))", "pay_less_fee": "Pay the assessed loss less the service fee", "deny_manufacturer_warranty": "Decline under the manufacturer's warranty period exclusion (§ 3(4))", "deny_waiting": "Decline: the incident happened during the waiting period (§ 3(2))"}, "src": "hard_long_policy", "label": "deny_waiting"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$951", "b": "$381", "c": "$1,000", "d": "$0", "e": "$332"}, "src": "hard_long_policy", "label": "d"}}, "_meta": {"id": "hard-v1/long_policy/development/00005", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00005", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "device", "target": "deny_waiting", "category": "breakdown", "tempting": "manufacturer_warranty", "facts": {"domain": "device", "fee_order": "before", "notice_days": 60, "categories": {"accidental_damage": {"limit": 1500, "fee": 49, "waiting": 0, "purchased": true}, "breakdown": {"limit": 1000, "fee": 49, "waiting": 30, "purchased": true}, "theft_loss": {"limit": 800, "fee": 99, "waiting": 0, "purchased": true}}, "classes": {"accessories": {"category": "accidental_damage", "cap": 100}, "wearables": {"category": "accidental_damage", "cap": 300}, "battery": {"category": "breakdown", "cap": 120}, "accessories_tl": {"category": "theft_loss", "cap": 100}}, "exclusions": [{"key": "cosmetic_damage", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unauthorised_repair", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "manufacturer_warranty", "categories": ["breakdown"], "kind": "threshold", "thr": 12, "cmp": "lt", "has_exception": false}, {"key": "liquid", "categories": ["breakdown"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unattended", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "no_police_report", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "breakdown", "item": "the games console", "item_class": null, "loss_cents": 38100, "start": "2026-05-13", "incident": "2026-05-19", "reported": "2026-07-17", "conditions": {"liquid": false}, "values": {"manufacturer_warranty": 14}, "exceptions": {}}, "options_q": {"outcome": {"deny_late": "deny_late", "deny_liquid": "deny_liquid", "pay_less_fee": "pay_less_fee", "deny_manufacturer_warranty": "deny_manufacturer_warranty", "deny_waiting": "deny_waiting"}, "amount": {"a": 95100, "b": 38100, "c": 100000, "d": 0, "e": 33200}}}, "text_sha256": "52814af430295e58350034a844f5eda914e3a865543551899c3c462a0743fb68", "state_tokens": 3337}}
{"state": "MEMO\nRe: Quarterly breakdown\n\nCounts of units inspected last week by shift and result: night shift: 269 defective, 237 passed. day shift: 104 defective, 143 passed.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, Among night shift records, what share were defective?", "criteria": {"a": "53.2%", "b": "72.1%", "c": "35.7%", "d": "67.2%", "e": "49.5%"}, "src": "hard_probability", "label": "a"}}, "_meta": {"id": "hard-v1/probability/development/00005", "source": "hard_probability", "group_id": "hard-v1/probability/development/00005", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "table", "facts": {"kind": "table", "p": {}, "counts": {"night shift": {"defective": 269, "passed": 237}, "day shift": {"defective": 104, "passed": 143}}, "row": "night shift", "col": "defective", "ask": "col_given_row", "options_q": {"value": {"a": 532, "b": 721, "c": 357, "d": 672, "e": 495}}}, "text_sha256": "93ffb06ab81fc327138bd3ee15d17825307b164e7546c216a9b05ab6840d71f3", "state_tokens": 49}}
{"state": "MEMO\nRe: Tenure\n\nEmployees are eligible for a sabbatical once they have completed 5 years of continuous employment with the company on the date they apply. Farah Sato applied for the sabbatical on 2025-11-04. Farah moved to the Payments team on 2024-02-28.\n\nFarah's manager supports the application.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_eligible": "Not yet eligible", "eligible": "Eligible for the sabbatical", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00033", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00032", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "tenure", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": false, "facts": {"scenario": "tenure", "insufficient_key": "not_enough_information", "params": {"years": 5, "apply": "2025-11-04", "hired": null, "moved": "2024-02-28"}, "deciding_present": false, "options_q": {"decision": {"not_eligible": "not_eligible", "eligible": "eligible", "not_enough_information": "not_enough_information"}}}, "text_sha256": "f8e5c2ba6ce811bdd4958be793b243d245c744eb66874b419d59dac0d33d6c88", "state_tokens": 87}}
{"state": "SPEC SHEET: a managed cloud provider for the analytics platform\nHalcyon Compute | monthly cost=$1,000 | p95 latency=70 ms | uptime commitment=99.93% | SOC 2 Type II report=no | EU data residency=no\nCorelink | monthly cost=$2,950 | p95 latency=115 ms | uptime commitment=99.59% | SOC 2 Type II report=yes | EU data residency=yes\nArcadia Hosting | monthly cost=$1,150 | p95 latency=190 ms | uptime commitment=99.60% | SOC 2 Type II report=no | EU data residency=no\nStratus Cloud | monthly cost=$2,100 | p95 latency=45 ms | uptime commitment=99.91% | SOC 2 Type II report=yes | EU data residency=no\nR1: its uptime commitment must be at least 99.91%\nR2: it must offer EU data residency\nSelection: Among the options that meet every requirement, choose the one with the lowest p95 latency; if two or more are tied on p95 latency, choose the one with the highest uptime commitment.", "questions": {"choice": {"type": "choice", "instructions": "Which provider best satisfies the brief?", "criteria": {"stratus_cloud": null, "none_qualifies": "No option qualifies", "halcyon_compute": null, "corelink": null, "arcadia_hosting": null}, "src": "hard_tradeoff", "label": "none_qualifies"}, "meets": {"type": "noul", "instructions": "Does Corelink meet every hard requirement?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00066", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00066", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "provider", "none_case": true, "facts": {"rule": "lex", "options": {"Halcyon Compute": {"cost": 1000, "latency": 70, "uptime": 9993, "soc2": false, "eu": false}, "Corelink": {"cost": 2950, "latency": 115, "uptime": 9959, "soc2": true, "eu": true}, "Arcadia Hosting": {"cost": 1150, "latency": 190, "uptime": 9960, "soc2": false, "eu": false}, "Stratus Cloud": {"cost": 2100, "latency": 45, "uptime": 9991, "soc2": true, "eu": false}}, "constraints": [{"attr": "uptime", "op": ">=", "value": 9991}, {"attr": "eu", "op": "is", "value": true}], "priority": [["latency", "lower"], ["uptime", "higher"]], "weights": {}, "years": null, "check": "Corelink", "options_q": {"choice": {"stratus_cloud": "stratus_cloud", "none_qualifies": "none_qualifies", "halcyon_compute": "halcyon_compute", "corelink": "corelink", "arcadia_hosting": "arcadia_hosting"}}}, "text_sha256": "eb46746a9adea807377f528f44006c68179a1d702864c062697abb2bd22b8fe3", "state_tokens": 265}}
{"state": "SPEC SHEET: a payment processor for the online store\nTillpoint | fee per transaction=2.00% | payout delay=6 days | uptime commitment=99.99% | security score=10/10 | vendor stability score=8/10 | ease of integration score=8/10 | multi-currency settlement=yes | a chargeback protection service=no\nPaylane | fee per transaction=2.55% | payout delay=2 days | uptime commitment=99.94% | security score=8/10 | vendor stability score=10/10 | ease of integration score=8/10 | multi-currency settlement=yes | a chargeback protection service=yes\nLedgerly | fee per transaction=2.95% | payout delay=7 days | uptime commitment=99.77% | security score=4/10 | vendor stability score=3/10 | ease of integration score=7/10 | multi-currency settlement=yes | a chargeback protection service=no\nQuickcheck | fee per transaction=2.55% | payout delay=7 days | uptime commitment=99.59% | security score=6/10 | vendor stability score=3/10 | ease of integration score=7/10 | multi-currency settlement=no | a chargeback protection service=no\nSettle Pay | fee per transaction=1.90% | payout delay=5 days | uptime commitment=99.91% | security score=9/10 | vendor stability score=4/10 | ease of integration score=3/10 | multi-currency settlement=no | a chargeback protection service=no\nR1: it must offer a chargeback protection service\nSelection: Each option has been scored from 1 to 10 on security, vendor stability and ease of integration (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 40% security, 35% vendor stability, 25% ease of integration.", "questions": {"choice": {"type": "choice", "instructions": "Which processor best satisfies the brief?", "criteria": {"ledgerly": null, "settle_pay": null, "paylane": null, "quickcheck": null, "tillpoint": null}, "src": "hard_tradeoff", "label": "paylane"}, "meets": {"type": "noul", "instructions": "Does Paylane meet every hard requirement?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00016", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00016", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "processor", "none_case": false, "facts": {"rule": "weighted", "options": {"Tillpoint": {"cost": 200, "payout": 6, "uptime": 9999, "multicurrency": true, "disputes": false, "security": 10, "vendor stability": 8, "ease of integration": 8}, "Paylane": {"cost": 255, "payout": 2, "uptime": 9994, "multicurrency": true, "disputes": true, "security": 8, "vendor stability": 10, "ease of integration": 8}, "Ledgerly": {"cost": 295, "payout": 7, "uptime": 9977, "multicurrency": true, "disputes": false, "security": 4, "vendor stability": 3, "ease of integration": 7}, "Quickcheck": {"cost": 255, "payout": 7, "uptime": 9959, "multicurrency": false, "disputes": false, "security": 6, "vendor stability": 3, "ease of integration": 7}, "Settle Pay": {"cost": 190, "payout": 5, "uptime": 9991, "multicurrency": false, "disputes": false, "security": 9, "vendor stability": 4, "ease of integration": 3}}, "constraints": [{"attr": "disputes", "op": "is", "value": true}], "priority": [], "weights": {"security": 40, "vendor stability": 35, "ease of integration": 25}, "years": null, "check": "Paylane", "options_q": {"choice": {"ledgerly": "ledgerly", "settle_pay": "settle_pay", "paylane": "paylane", "quickcheck": "quickcheck", "tillpoint": "tillpoint"}}}, "text_sha256": "c56bd5a06be4d856a09a36747caa7e3e35edb492a61df703ad56fa6933c396d9", "state_tokens": 439}}
{"state": "MEMO\nRe: Approval\n\nPurchases under $250 need no approval. Purchases from $250 up to $5,000 must be approved by a Manager or more senior; purchases above $5,000 must be approved by a Director or more senior. Seniority: Analyst, Engineer, Manager, Senior Manager, Director, Vice President, Chief Executive. Noah Okafor submitted a purchase of $55 for conference travel. The purchase was approved by Farah Nguyen.\n\nAyla Abara, who leads the travel desk, is a Manager.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "approval_invalid": "The approval is not valid under the rule", "approval_valid": "The purchase is properly approved"}, "src": "hard_ambiguous", "label": "approval_valid"}}, "_meta": {"id": "hard-v1/ambiguous/development/00001", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00000", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "approval", "twin": "absent", "absent_kind": "nondeciding", "explicit_unknown": false, "facts": {"scenario": "approval", "insufficient_key": "not_enough_information", "params": {"amount": 55, "no_approval_below": 250, "director_above": 5000, "title": null}, "deciding_present": false, "options_q": {"decision": {"not_enough_information": "not_enough_information", "approval_invalid": "approval_invalid", "approval_valid": "approval_valid"}}}, "text_sha256": "428e975bad8d81a23d444f65f89bd4fa78e7557502110ae462fbd4bf8b42c7de", "state_tokens": 121}}
{"state": "MEMO\nRe: Group structure\n\nAn entity controls a company if it holds more than 50% of that company's shares, counting shares it holds directly and shares held by companies it controls. Birchfield Capital owns 36% of Hollis Investments. Garrow Trust owns 23% of Hollis Investments.\n\nCresta Group owns 65% of Birchfield Capital. Dunmore Ventures owns 41% of Hollis Investments. Kilnworth plc owns 35% of Birchfield Capital.", "questions": {"controller": {"type": "choice", "instructions": "Name the ultimate controller of Hollis Investments.", "criteria": {"cresta_group": null, "dunmore_ventures": null, "garrow_trust": null, "no_controller": "No entity controls it", "birchfield_capital": null}, "src": "hard_multi_hop", "label": "no_controller"}, "interest": {"type": "choice", "instructions": "What is Cresta Group's effective economic interest in Hollis Investments (its share of Hollis Investments's profits through all holdings)?", "criteria": {"a": "23.4%", "b": "36.0%", "c": "65.0%", "d": "59.0%", "e": "46.8%"}, "src": "hard_multi_hop", "label": "a"}}, "_meta": {"id": "hard-v1/multi_hop/development/00039", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00039", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "ownership", "shape": "none", "facts": {"kind": "ownership", "stakes": {"Birchfield Capital": {"Cresta Group": "65/100", "Kilnworth plc": "35/100"}, "Hollis Investments": {"Birchfield Capital": "36/100", "Dunmore Ventures": "41/100", "Garrow Trust": "23/100"}}, "candidates": ["Cresta Group", "Dunmore Ventures", "Birchfield Capital", "Garrow Trust"], "target": "Hollis Investments", "top": "Cresta Group", "options_q": {"controller": {"cresta_group": "cresta_group", "dunmore_ventures": "dunmore_ventures", "garrow_trust": "garrow_trust", "no_controller": "no_controller", "birchfield_capital": "birchfield_capital"}, "interest": {"a": 234, "b": 360, "c": 650, "d": 590, "e": 468}}}, "text_sha256": "e1a133e50ddd6e6915b4d9e6a045db4940dd3a97d4499fe62349951eeece737e", "state_tokens": 108}}
{"state": "ANNUAL MULTI-TRIP TRAVEL COVER\nIssued by Compass Mutual\nIn this policy, \"the Insurer\" means Compass Mutual and \"the Insured Person\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(2) Dental treatment means treatment of the teeth or gums.\n(3) Excursions and tickets means pre-booked excursions, tours, and event or theatre tickets.\n(4) Family means the Insured Person's spouse or partner and any children who live with the Insured Person.\n(5) Hazardous activity means skydiving, motor racing, or trekking or climbing above 3,000 metres.\n(6) Limit means the most the Insurer will pay for all claims under a section arising from one incident.\n(7) Physiotherapy means treatment of muscles and joints by a physiotherapist.\n(8) Pre-existing condition means any illness or injury for which the Insured Person received treatment or advice in the 6 months before the policy start date.\n(9) Premium means the amount the Insured Person must pay for this policy, including any taxes.\n(10) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(11) Qualifying delay means a delay to the scheduled departure of more than 8 hours.\n(12) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(13) Sports equipment means skis, snowboards, golf clubs, surfboards and bicycles.\n(14) Travelling companion means a person who has booked to travel with the Insured Person on the same trip.\n(15) Valuables means laptops, tablets, mobile phones, cameras, watches and jewellery.\n\n§ 2  Limits and excess\n(1) Baggage and Personal Belongings: limit $1,500 per incident; excess $50 per claim.\n(2) Emergency Medical Expenses: limit $25,000 per incident; excess $250 per claim.\n(3) Trip Cancellation: limit $3,000 per incident; excess $50 per claim.\n(4) Travel Delay: limit $750 per incident; excess $50 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the excess is then deducted from the result.\n\n§ 3  Trip Cancellation\n(1) The Insurer will pay non-refundable travel and accommodation costs if the Insured Person must cancel the trip for a reason beyond the Insured Person's control.\n(2) No cover applies under this section to any incident that happens within the first 7 days after the policy start date.\n(3) The most the Insurer will pay for Excursions and tickets under this section is $200 per incident.\n(4) The Insurer will not pay for cancellation caused by a strike or other event that had been publicly announced before the Insured Person bought the policy.\n(5) The Insurer will not pay for cancellation because the Insured Person no longer wish to travel.\n\n§ 4  Baggage and Personal Belongings\n(1) The Insurer will pay for the loss of, theft of, or damage to the Insured Person's baggage and personal belongings during the trip.\n(2) The most the Insurer will pay for Valuables under this section is $500 per incident.\n(3) The most the Insurer will pay for Sports equipment under this section is $300 per incident.\n(4) The Insurer will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Insurer will not pay for loss caused by confiscation or detention by customs or other officials.\n(6) The Insurer will not pay for damage caused by wear and tear or gradual deterioration.\n\n§ 5  Emergency Medical Expenses\n(1) The Insurer will pay reasonable and necessary emergency medical costs incurred during the trip.\n(2) The most the Insurer will pay for Dental treatment under this section is $250 per incident.\n(3) The most the Insurer will pay for Physiotherapy under this section is $300 per incident.\n(4) The Insurer will not pay for treatment of a pre-existing condition.\n(5) The Insurer will not pay for injury or illness arising from a hazardous activity. This exclusion does not apply if the Adventure Sports extension is shown in the Insured Person's schedule.\n(6) The Insurer will not pay for any claim arising from the Insured Person's being under the influence of alcohol or drugs.\n\n§ 6  Optional cover: Travel Delay\n(1) The Insurer will pay reasonable costs of meals and accommodation if the Insured Person's outbound departure is delayed.\n(2) This section applies only if it is shown as purchased in the Insured Person's schedule.\n(3) The Insurer will not pay for any delay that is not a qualifying delay.\n\n§ 7  General exclusions\n(1) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n(2) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(3) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n(4) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(5) The Insurer will not pay for any deliberate or criminal act by the Insured Person.\n(6) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n\n§ 8  Making a claim\n(1) The Insurer may appoint a loss adjuster to investigate any claim.\n(2) The Insured Person must notify the Insurer of a claim within 30 days of the incident. The Insurer will not pay any claim notified after that time.\n(3) The Insured Person must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 9  Payment of claims\n(1) The Insurer will pay claims by bank transfer to an account in the Insured Person's name.\n(2) The Insurer aims to pay accepted claims within 15 working days of receiving all the documents the Insurer needs.\n\n§ 10  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 11  Data protection\n(1) The Insurer will use the personal information the Insured Person provides to administer this policy and to handle claims.\n(2) The Insurer will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Insured Person can ask for a copy of the personal information the Insurer holds by writing to the Insurer's data protection officer.\n\n§ 12  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Insured Person gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Insured Person's claims history.\n\n§ 13  Duty of fair presentation\n(1) The Insured Person must answer all questions the Insurer asks honestly and to the best of the Insured Person's knowledge.\n(2) If the Insured Person gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Insured Person gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 14  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 15  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Insurer will pay only the Insurer's proportionate share.\n(2) The Insured Person must tell the Insurer about any other insurance that covers the same loss when the Insured Person makes a claim.\n\n§ 16  Automatic renewal\n(1) Unless the Insured Person tells the Insurer otherwise, this policy will renew automatically at the end of the policy period using the payment details the Insurer holds.\n(2) The Insured Person can switch off automatic renewal at any time by contacting the Insurer's helpline.\n\n§ 17  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Insured Person should be sent to the address shown in the schedule.\n\n§ 18  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 19  Market conditions\n(1) If the replacement item is no longer available, the Insurer will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 20  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 21  Customer support\n(1) The Insurer's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Insured Person can leave a message and the Insurer will call back on the next working day.\n\n§ 22  Communication\n(1) The Insurer will communicate with the Insured Person in English.\n(2) The Insurer may record telephone calls for training and quality purposes.\n\n§ 23  Change of address\n(1) The Insured Person must tell the Insurer within 30 days if the Insured Person changes the Insured Person's address.\n(2) The Insurer may change the premium or the terms from the date of the move.\n\n§ 24  Instalment agreements\n(1) If the Insured Person pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 25  Reasonable precautions\n(1) The Insured Person must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Insured Person must take reasonable steps to recover lost or stolen property.\n\n§ 26  Missed departure\n(1) The Insurer will pay reasonable additional travel and accommodation costs to reach the Insured Person's destination if the Insured Person arrives too late to board the Insured Person's booked transport because public transport fails.\n(2) The Insured Person must allow enough time to reach the departure point, and must obtain written confirmation of the delay from the transport operator.\n\n§ 27  Electronic documents\n(1) The Insurer will send documents by email unless the Insured Person asks for paper copies.\n(2) The Insured Person must tell the Insurer if the Insured Person's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 28  Third-party administrators\n(1) The Insurer may appoint another company to handle claims or other services on the Insurer's behalf.\n(2) Any company the Insurer appoints must follow the terms of this policy and applicable data protection law.\n\n§ 29  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 30  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 31  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 32  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 33  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 34  Renewal\n(1) The Insurer will write to the Insured Person at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 35  Rental car excess\n(1) If the Insured Person hires a car during the trip, the Insurer will reimburse any excess the Insured Person must pay to the hire company after accidental damage to the car.\n(2) This section applies only to cars hired from a licensed rental company under a written agreement.\n\n§ 36  Legal expenses abroad\n(1) The Insurer will pay legal costs to pursue compensation for the Insured Person's injury or death caused by a third party during the trip.\n(2) The Insurer will not pay legal costs unless the Insurer's legal adviser agrees that the claim has a reasonable prospect of success.\n\n§ 37  Waiver\n(1) If the Insurer does not enforce any term of this policy, that does not mean the Insurer has given up the right to enforce it later.\n\n§ 38  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 39  Arbitration\n(1) If the Insurer accepts a claim but disagree with the Insured Person about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Insurer.\n\n§ 40  Assignment\n(1) The Insured Person cannot transfer the Insured Person's interest in this policy to anyone else without the Insurer's written consent.\n\n§ 41  Emergency assistance\n(1) The Insurer's emergency assistance service is available 24 hours a day on the number shown in the schedule.\n(2) The Insured Person must contact the assistance service before being admitted to hospital as an in-patient, unless it is an emergency.\n(3) The assistance service can arrange payment guarantees, interpreters and transport home.\n\n§ 42  Claims documents\n(1) The Insured Person must provide, at the Insured Person's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 43  Environmental commitment\n(1) Where practical, the Insurer will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Insured Person may ask for a new part instead, and the Insurer will tell the Insured Person whether any additional cost would apply.\n\n§ 44  Records and evidence\n(1) The Insured Person should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 45  Personal liability\n(1) The Insurer will pay damages the Insured Person becomes legally liable to pay for accidental injury to another person or accidental damage to their property during the trip.\n(2) This section does not cover liability arising from the use of motor vehicles, boats or aircraft.\n(3) The most the Insurer will pay under this section is $5,000,000 for all claims arising from one event.\n\n§ 46  Premium payment\n(1) The Insured Person must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 21 days of its due date, the Insurer may cancel the policy after giving notice.\n\n§ 47  Interest\n(1) The Insurer will not pay interest on any claim payment unless the law requires it.\n\n§ 48  Cancellation\n(1) The Insured Person can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Insured Person can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $15.\n(3) The Insurer can cancel this policy by giving the Insured Person 30 days' written notice to the last address the Insurer holds.\n\n§ 49  Repatriation\n(1) If the Insurer's medical adviser agrees it is necessary, the Insurer will arrange and pay for the Insured Person to be brought home.\n(2) The Insurer will decide the method of transport and the time of repatriation after speaking to the treating doctor.\n\n§ 50  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Insured Person to repay the amount.\n\n§ 51  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 52  Changes in circumstances\n(1) The Insured Person must tell the Insurer as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Insurer may then change the premium or the terms of this policy, or cancel it.\n\n§ 53  Cooperation\n(1) The Insured Person must give the Insurer all the help and information the Insurer reasonably need to settle a claim.\n(2) The Insured Person must not admit liability or offer to settle any claim without the Insurer's written permission.\n\n§ 54  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 55  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n=== CLAIM ===\nClaim summary: Ines Silva; policy T800380; policy start 2 December 2025; schedule covers Baggage and Personal Belongings, Emergency Medical Expenses, Trip Cancellation; extensions none. Section claimed: Trip Cancellation, for pre-booked concert and excursion tickets. Incident date 6 December 2025; notified 6 December 2025; assessed loss $150. Facts: Ines cancelled after receiving a jury summons for the travel dates. The return flight was scheduled for the following week. The trip was booked through an online travel agent. Ines paid for the trip with a credit card.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_sublimit": "Pay up to the Excursions and tickets sublimit (§ 3(3))", "deny_late": "Decline: the claim was notified too late (§ 8(2))", "deny_waiting": "Decline: the incident happened during the waiting period (§ 3(2))", "pay_limit": "Pay up to the Trip Cancellation limit", "deny_change_of_mind": "Decline under the disinclination to travel exclusion (§ 3(5))"}, "src": "hard_long_policy", "label": "deny_waiting"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$2,950", "b": "$100", "c": "$0", "d": "$200", "e": "$150"}, "src": "hard_long_policy", "label": "c"}}, "_meta": {"id": "hard-v1/long_policy/development/00017", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00017", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "travel", "target": "deny_waiting", "category": "cancellation", "tempting": null, "facts": {"domain": "travel", "fee_order": "after", "notice_days": 30, "categories": {"baggage": {"limit": 1500, "fee": 50, "waiting": 0, "purchased": true}, "medical": {"limit": 25000, "fee": 250, "waiting": 0, "purchased": true}, "cancellation": {"limit": 3000, "fee": 50, "waiting": 7, "purchased": true}, "delay": {"limit": 750, "fee": 50, "waiting": 0, "purchased": false}}, "classes": {"valuables": {"category": "baggage", "cap": 500}, "sports": {"category": "baggage", "cap": 300}, "dental": {"category": "medical", "cap": 250}, "physio": {"category": "medical", "cap": 300}, "excursions": {"category": "cancellation", "cap": 200}}, "exclusions": [{"key": "unattended", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "confiscation", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pre_existing", "categories": ["medical"], "kind": "threshold", "thr": 6, "cmp": "le", "has_exception": false}, {"key": "hazardous", "categories": ["medical"], "kind": "threshold", "thr": 3000, "cmp": "gt", "has_exception": true}, {"key": "intoxication", "categories": ["medical"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "known_event", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "change_of_mind", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "short_delay", "categories": ["delay"], "kind": "threshold", "thr": 8, "cmp": "le", "has_exception": false}], "case": {"category": "cancellation", "item": "the tickets", "item_class": "excursions", "loss_cents": 15000, "start": "2025-12-02", "incident": "2025-12-06", "reported": "2025-12-06", "conditions": {}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"pay_sublimit": "pay_sublimit", "deny_late": "deny_late", "deny_waiting": "deny_waiting", "pay_limit": "pay_limit", "deny_change_of_mind": "deny_change_of_mind"}, "amount": {"a": 295000, "b": 10000, "c": 0, "d": 20000, "e": 15000}}}, "text_sha256": "f4a62eda5fc9f89a81ce8a8fa54bcd9f5e6bc96cdf11ae4be1baec01a34121c1", "state_tokens": 4423}}
{"state": "MEMO\nRe: Shift pay check\n\nA warehouse worker clocked in at 20:45 on November 22, 2026 and clocked out at 05:45 the next day. They took a 60-minute unpaid break. The hourly rate is $28.50.\n\nPaid time beyond 8 hours in a shift is paid at 1.5 times the hourly rate.", "questions": {"pay": {"type": "choice", "instructions": "Shift pay due:", "criteria": {"a": "$342.00", "b": "$256.50", "c": "$228.00", "d": "$270.75", "e": "$242.25"}, "src": "hard_temporal_numeric", "label": "c"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00083", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00083", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "shift", "overtime": false, "facts": {"kind": "shift", "start": "2026-11-22T20:45", "end": "2026-11-23T05:45", "break_min": 60, "rate_cents": 2850, "ot_after_h": 8, "options_q": {"pay": {"a": 34200, "b": 25650, "c": 22800, "d": 27075, "e": 24225}}}, "text_sha256": "c9dfa0ae6d39d09499ad723f8214d58684a8c3d355359e4e7a73535830703229", "state_tokens": 91}}
{"state": "MEMO\nRe: Approval\n\nPurchases under $250 need no approval. Purchases from $250 up to $5,000 must be approved by a Manager or more senior; purchases above $5,000 must be approved by a Director or more senior. Seniority: Analyst, Engineer, Manager, Senior Manager, Director, Vice President, Chief Executive. Tomas Ivanova submitted a purchase of $9,967 for conference travel. The purchase was approved by Hana Ortiz.\n\nHana Ortiz is a Vice President. Beatriz Nakamura, who leads the travel desk, is a Vice President.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "approval_valid": "The purchase is properly approved", "approval_invalid": "The approval is not valid under the rule"}, "src": "hard_ambiguous", "label": "approval_valid"}}, "_meta": {"id": "hard-v1/ambiguous/development/00052", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00052", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "approval", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "approval", "insufficient_key": "not_enough_information", "params": {"amount": 9967, "no_approval_below": 250, "director_above": 5000, "title": "Vice President"}, "deciding_present": true, "options_q": {"decision": {"not_enough_information": "not_enough_information", "approval_valid": "approval_valid", "approval_invalid": "approval_invalid"}}}, "text_sha256": "d7978ff1f24042e285bcccc127a65d19049b1bb878d445f97679a0ad3679526e", "state_tokens": 132}}
{"state": "HOUSEHOLD CONTENTS COVER: POLICY BOOKLET\nIssued by Oakfield Assurance\nIn this policy, \"the Insurer\" means Oakfield Assurance and \"the Policyholder\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Art and antiques means paintings, antiques, rugs and other works of art.\n(2) Bicycles means bicycles and electric scooters.\n(3) Contents means household goods and personal possessions that belong to the Policyholder or the Policyholder's family.\n(4) High-risk items means jewellery, watches, laptops, games consoles and cameras.\n(5) Incident means a single event, or a series of events arising from one cause.\n(6) Policy period means twelve months from the policy start date shown in the Policyholder's schedule.\n(7) Portable electronics means laptops, tablets and mobile phones.\n(8) Unoccupied means not lived in by the Policyholder or a member of the Policyholder's family for more than 30 consecutive days.\n\n§ 2  Limits and excess\n(1) Theft: limit $20,000 per incident; excess $100 per claim.\n(2) Escape of Water: limit $15,000 per incident; excess $500 per claim.\n(3) Accidental Damage: limit $5,000 per incident; excess $100 per claim.\n(4) Flood: limit $20,000 per incident; excess $1,000 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the excess is then deducted from the result.\n\n§ 3  Escape of Water\n(1) The Insurer will pay for contents damaged by water escaping from a fixed pipe, tank or domestic appliance.\n(2) The most the Insurer will pay for Art and antiques under this section is $1,000 per incident.\n(3) The Insurer will not pay for damage caused by water leaking gradually over a period of time.\n(4) The Insurer will not pay for damage caused by the failure of grout or sealant around baths and showers.\n\n§ 4  Cooperation\n(1) The Policyholder must give the Insurer all the help and information the Insurer reasonably need to settle a claim.\n(2) The Policyholder must not admit liability or offer to settle any claim without the Insurer's written permission.\n\n§ 5  Electronic documents\n(1) The Insurer will send documents by email unless the Policyholder asks for paper copies.\n(2) The Policyholder must tell the Insurer if the Policyholder's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 6  Change of address\n(1) The Policyholder must tell the Insurer within 30 days if the Policyholder changes the Policyholder's address.\n(2) The Insurer may change the premium or the terms from the date of the move.\n\n§ 7  Theft\n(1) The Insurer will pay for contents stolen from the Policyholder's home.\n(2) The most the Insurer will pay for High-risk items under this section is $2,500 per incident.\n(3) The most the Insurer will pay for Bicycles under this section is $800 per incident.\n(4) The Insurer will not pay for theft while the home is unoccupied.\n(5) The Insurer will not pay for theft where there is no sign of forced entry to the home. This exclusion does not apply where the thief gained entry by deception, for example by posing as a utility worker.\n(6) The Insurer will not pay for theft from sheds, garages or other outbuildings. This exclusion does not apply if the outbuilding was locked and the theft involved forcible entry.\n\n§ 8  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Policyholder gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Policyholder's claims history.\n\n§ 9  Optional cover: Accidental Damage\n(1) The Insurer will pay for sudden and unexpected accidental damage to the Policyholder's contents inside the home.\n(2) This section applies only if it is shown as purchased in the Policyholder's schedule.\n(3) The most the Insurer will pay for Portable electronics under this section is $500 per incident.\n(4) The Insurer will not pay for damage caused by pets.\n(5) The Insurer will not pay for wear and tear, or damage that happens gradually.\n\n§ 10  Waiver\n(1) If the Insurer does not enforce any term of this policy, that does not mean the Insurer has given up the right to enforce it later.\n\n§ 11  Renewal\n(1) The Insurer will write to the Policyholder at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 12  Garden and outdoor cover\n(1) The Insurer will pay for plants, trees and shrubs in the garden of the home that are damaged by fire, lightning or theft.\n(2) The Insurer will not pay for damage caused by frost, storms, drought or animals.\n\n§ 13  Duty of fair presentation\n(1) The Policyholder must answer all questions the Insurer asks honestly and to the best of the Policyholder's knowledge.\n(2) If the Policyholder gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Policyholder gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 14  General exclusions\n(1) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n(2) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n\n§ 15  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 16  Cancellation\n(1) The Policyholder can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Policyholder can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $15.\n(3) The Insurer can cancel this policy by giving the Policyholder 30 days' written notice to the last address the Insurer holds.\n\n§ 17  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Insurer will pay only the Insurer's proportionate share.\n(2) The Policyholder must tell the Insurer about any other insurance that covers the same loss when the Policyholder makes a claim.\n\n§ 18  Making a claim\n(1) The Insurer may appoint a loss adjuster to investigate any claim.\n(2) The Policyholder must notify the Insurer of a claim within 90 days of the incident. The Insurer will not pay any claim notified after that time.\n(3) The Policyholder must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 19  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 20  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Policyholder must tell the Insurer and either return the payment or give the Insurer the property.\n\n=== CLAIM ===\nClaim summary: Lotte Haddad; policy D916216; policy start 15 April 2026; schedule covers Theft, Escape of Water, Accidental Damage, Flood; extensions none. Section claimed: Theft, for an engagement ring. Incident date 8 June 2026; notified 31 July 2026; assessed loss $7,055. Facts: The home had been empty for 20 consecutive days when the theft happened. The ring was taken from the garden shed. The shed was padlocked and the thieves cut through the padlock. Lotte works from home three days a week. The building is a converted warehouse with six flats.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_no_forced_entry": "Decline under the theft without forced entry exclusion (§ 7(5))", "deny_outbuilding": "Decline under the outbuildings exclusion (§ 7(6))", "deny_late": "Decline: the claim was notified too late (§ 18(2))", "pay_sublimit": "Pay up to the High-risk items sublimit (§ 7(2))", "deny_unoccupied": "Decline under the unoccupied home exclusion (§ 7(4))"}, "src": "hard_long_policy", "label": "pay_sublimit"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$7,055", "b": "$2,500", "c": "$6,955", "d": "$19,900", "e": "$2,400"}, "src": "hard_long_policy", "label": "e"}}, "_meta": {"id": "hard-v1/long_policy/development/00025", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00025", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "home", "target": "pay_sublimit", "category": "theft", "tempting": "outbuilding", "facts": {"domain": "home", "fee_order": "after", "notice_days": 90, "categories": {"theft": {"limit": 20000, "fee": 100, "waiting": 0, "purchased": true}, "water": {"limit": 15000, "fee": 500, "waiting": 0, "purchased": true}, "accidental": {"limit": 5000, "fee": 100, "waiting": 0, "purchased": true}, "flood": {"limit": 20000, "fee": 1000, "waiting": 30, "purchased": true}}, "classes": {"high_risk": {"category": "theft", "cap": 2500}, "bicycles": {"category": "theft", "cap": 800}, "art": {"category": "water", "cap": 1000}, "portable": {"category": "accidental", "cap": 500}, "garden": {"category": "flood", "cap": 1000}}, "exclusions": [{"key": "unoccupied", "categories": ["theft"], "kind": "threshold", "thr": 30, "cmp": "gt", "has_exception": false}, {"key": "no_forced_entry", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "outbuilding", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "gradual", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "sealant", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pets", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear_home", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "flood_warning", "categories": ["flood"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "theft", "item": "the ring", "item_class": "high_risk", "loss_cents": 705500, "start": "2026-04-15", "incident": "2026-06-08", "reported": "2026-07-31", "conditions": {"outbuilding": true}, "values": {"unoccupied": 20}, "exceptions": {"outbuilding": true}}, "options_q": {"outcome": {"deny_no_forced_entry": "deny_no_forced_entry", "deny_outbuilding": "deny_outbuilding", "deny_late": "deny_late", "pay_sublimit": "pay_sublimit", "deny_unoccupied": "deny_unoccupied"}, "amount": {"a": 705500, "b": 250000, "c": 695500, "d": 1990000, "e": 240000}}}, "text_sha256": "2b9bffdca871480e536f1e149d9fa8b48a2527940aa5b1edb0ecf87946f66daf", "state_tokens": 1912}}
{"state": "MEMO\nRe: Subscription cancellation\n\nA customer paid $600.99 for an annual plan running from 11 January 2027 up to (but not including) 11 January 2028. They cancelled on 18 March 2027. Refund rule: refund the annual price multiplied by the number of unused days and divided by the number of days in the plan year; the cancellation day counts as used. Round to the nearest cent.", "questions": {"refund": {"type": "choice", "instructions": "Refund due:", "criteria": {"a": "$110.32", "b": "$489.33", "c": "$500.83", "d": "$492.32", "e": "$490.67"}, "src": "hard_temporal_numeric", "label": "e"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00094", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00094", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "prorata", "leap": false, "facts": {"kind": "prorata", "start": "2027-01-11", "end": "2028-01-11", "cancel": "2027-03-18", "price_cents": 60099, "options_q": {"refund": {"a": 11032, "b": 48933, "c": 50083, "d": 49232, "e": 49067}}}, "text_sha256": "da9c09deb546ba264c15baab7d8675b67aa060b2c54f028c4c69892e3fce45a5", "state_tokens": 103}}
{"state": "HOUSEHOLD CONTENTS COVER: POLICY BOOKLET\nIssued by Keystone Home Mutual\nIn this policy, \"the Insurer\" means Keystone Home Mutual and \"the Policyholder\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Art and antiques means paintings, antiques, rugs and other works of art.\n(2) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(3) Bicycles means bicycles and electric scooters.\n(4) Family means the Policyholder's spouse or partner and any children who live with the Policyholder.\n(5) Garden items means garden furniture, plants and outdoor tools.\n(6) High-risk items means jewellery, watches, laptops, games consoles and cameras.\n(7) Home means the private residence at the address shown in the schedule.\n(8) Incident means a single event, or a series of events arising from one cause.\n(9) Outbuilding means a shed, garage or greenhouse within the boundaries of the home.\n(10) Portable electronics means laptops, tablets and mobile phones.\n(11) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(12) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(13) Unoccupied means not lived in by the Policyholder or a member of the Policyholder's family for more than 30 consecutive days.\n\n§ 2  Limits and excess\n(1) Theft: limit $40,000 per incident; excess $100 per claim.\n(2) Escape of Water: limit $15,000 per incident; excess $250 per claim.\n(3) Accidental Damage: limit $5,000 per incident; excess $100 per claim.\n(4) Flood: limit $20,000 per incident; excess $1,000 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the excess is then deducted from the result.\n\n§ 3  Payment of claims\n(1) The Insurer will pay claims by bank transfer to an account in the Policyholder's name.\n(2) The Insurer aims to pay accepted claims within 15 working days of receiving all the documents the Insurer needs.\n\n§ 4  Duty of fair presentation\n(1) The Policyholder must answer all questions the Insurer asks honestly and to the best of the Policyholder's knowledge.\n(2) If the Policyholder gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Policyholder gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 5  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 6  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Policyholder should be sent to the address shown in the schedule.\n\n§ 7  Customer support\n(1) The Insurer's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Policyholder can leave a message and the Insurer will call back on the next working day.\n\n§ 8  Changes in circumstances\n(1) The Policyholder must tell the Insurer as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Insurer may then change the premium or the terms of this policy, or cancel it.\n\n§ 9  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 10  Electronic documents\n(1) The Insurer will send documents by email unless the Policyholder asks for paper copies.\n(2) The Policyholder must tell the Insurer if the Policyholder's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 11  Flood\n(1) The Insurer will pay for contents damaged by flood water entering the Policyholder's home.\n(2) No cover applies under this section to any incident that happens within the first 60 days after the policy start date.\n(3) The most the Insurer will pay for Garden items under this section is $1,000 per incident.\n(4) The Insurer will not pay for flood damage where a flood warning for the Policyholder's area had been issued before the policy started.\n\n§ 12  Freezer contents\n(1) The Insurer will pay for food in a domestic freezer that spoils because of a rise or fall in temperature.\n(2) The Insurer will not pay if the freezer is more than fifteen years old, or if the electricity supplier cut the supply deliberately.\n\n§ 13  Instalment agreements\n(1) If the Policyholder pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 14  Garden and outdoor cover\n(1) The Insurer will pay for plants, trees and shrubs in the garden of the home that are damaged by fire, lightning or theft.\n(2) The Insurer will not pay for damage caused by frost, storms, drought or animals.\n\n§ 15  Reasonable precautions\n(1) The Policyholder must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Policyholder must take reasonable steps to recover lost or stolen property.\n\n§ 16  Assignment\n(1) The Policyholder cannot transfer the Policyholder's interest in this policy to anyone else without the Insurer's written consent.\n\n§ 17  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 18  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 19  Interest\n(1) The Insurer will not pay interest on any claim payment unless the law requires it.\n\n§ 20  Complaints\n(1) If the Policyholder has a complaint, the Policyholder should first contact the Insurer's customer relations team, quoting the policy number.\n(2) The Insurer will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Policyholder remains dissatisfied, the Policyholder may be able to refer the complaint to an independent ombudsman service.\n\n§ 21  Escape of Water\n(1) The Insurer will pay for contents damaged by water escaping from a fixed pipe, tank or domestic appliance.\n(2) The most the Insurer will pay for Art and antiques under this section is $2,000 per incident.\n(3) The Insurer will not pay for damage caused by water leaking gradually over a period of time.\n(4) The Insurer will not pay for damage caused by the failure of grout or sealant around baths and showers.\n\n§ 22  Renewal\n(1) The Insurer will write to the Policyholder at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 23  Communication\n(1) The Insurer will communicate with the Policyholder in English.\n(2) The Insurer may record telephone calls for training and quality purposes.\n\n§ 24  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Policyholder gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Policyholder's claims history.\n\n§ 25  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Insurer will pay only the Insurer's proportionate share.\n(2) The Policyholder must tell the Insurer about any other insurance that covers the same loss when the Policyholder makes a claim.\n\n§ 26  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 27  Inflation\n(1) The Insurer may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Policyholder's renewal documents; limits do not change during a policy period.\n\n§ 28  Optional cover: Accidental Damage\n(1) The Insurer will pay for sudden and unexpected accidental damage to the Policyholder's contents inside the home.\n(2) This section applies only if it is shown as purchased in the Policyholder's schedule.\n(3) The most the Insurer will pay for Portable electronics under this section is $750 per incident.\n(4) The Insurer will not pay for damage caused by pets.\n(5) The Insurer will not pay for wear and tear, or damage that happens gradually.\n\n§ 29  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 30  Records and evidence\n(1) The Policyholder should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 31  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 32  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 33  Arbitration\n(1) If the Insurer accepts a claim but disagree with the Policyholder about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Insurer.\n\n§ 34  Theft\n(1) The Insurer will pay for contents stolen from the Policyholder's home.\n(2) The most the Insurer will pay for High-risk items under this section is $1,000 per incident.\n(3) The most the Insurer will pay for Bicycles under this section is $800 per incident.\n(4) The Insurer will not pay for theft while the home is unoccupied.\n(5) The Insurer will not pay for theft where there is no sign of forced entry to the home. This exclusion does not apply where the thief gained entry by deception, for example by posing as a utility worker.\n(6) The Insurer will not pay for theft from sheds, garages or other outbuildings. This exclusion does not apply if the outbuilding was locked and the theft involved forcible entry.\n\n§ 35  Compensation scheme\n(1) The Insurer is covered by a financial services compensation scheme.\n(2) If the Insurer cannot meet the Insurer's obligations, the Policyholder may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 36  Premium payment\n(1) The Policyholder must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Insurer may cancel the policy after giving notice.\n\n§ 37  Locks and keys\n(1) If the keys to the Policyholder's home are lost or stolen, the Insurer will pay the cost of replacing the locks to the outside doors.\n(2) The most the Insurer will pay under this clause is $500 for any one claim.\n\n§ 38  Subrogation\n(1) The Insurer will be entitled to take over and conduct in the Policyholder's name the defence or settlement of any claim.\n(2) The Insurer can take action in the Policyholder's name to recover any payment the Insurer makes from anyone responsible for the loss.\n\n§ 39  Cancellation\n(1) The Policyholder can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Policyholder can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $15.\n(3) The Insurer can cancel this policy by giving the Policyholder 30 days' written notice to the last address the Insurer holds.\n\n§ 40  Change of address\n(1) The Policyholder must tell the Insurer within 30 days if the Policyholder changes the Policyholder's address.\n(2) The Insurer may change the premium or the terms from the date of the move.\n\n§ 41  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Policyholder to repay the amount.\n\n§ 42  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 43  Environmental commitment\n(1) Where practical, the Insurer will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Policyholder may ask for a new part instead, and the Insurer will tell the Policyholder whether any additional cost would apply.\n\n§ 44  General exclusions\n(1) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n(2) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(3) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n\n§ 45  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 46  Automatic renewal\n(1) Unless the Policyholder tells the Insurer otherwise, this policy will renew automatically at the end of the policy period using the payment details the Insurer holds.\n(2) The Policyholder can switch off automatic renewal at any time by contacting the Insurer's helpline.\n\n§ 47  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 48  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 49  Making a claim\n(1) The Policyholder must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Policyholder must notify the Insurer of a claim within 21 days of the incident. The Insurer will not pay any claim notified after that time.\n(3) The Insurer may appoint a loss adjuster to investigate any claim.\n\n§ 50  Waiver\n(1) If the Insurer does not enforce any term of this policy, that does not mean the Insurer has given up the right to enforce it later.\n\n§ 51  Tenant's improvements\n(1) If the Policyholder rents the home, the Insurer will pay for damage to fixtures and fittings that the Policyholder installed and are responsible for.\n(2) This cover applies only to improvements the Policyholder paid for, not to items provided by the landlord.\n\n§ 52  Contents temporarily removed\n(1) The Policyholder's contents are covered while temporarily removed from the home to another building in the same country, for up to 60 days.\n(2) Contents in a student hall of residence are covered only if the student is a member of the Policyholder's family.\n\n§ 53  Market conditions\n(1) If the replacement item is no longer available, the Insurer will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 54  Data protection\n(1) The Insurer will use the personal information the Policyholder provides to administer this policy and to handle claims.\n(2) The Insurer will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Policyholder can ask for a copy of the personal information the Insurer holds by writing to the Insurer's data protection officer.\n\n§ 55  Alternative accommodation\n(1) If the Policyholder's home cannot be lived in after damage covered by this policy, the Insurer will pay the reasonable cost of comparable temporary accommodation.\n(2) The Insurer will also pay for the temporary housing of pets that live with the Policyholder.\n(3) Cover ends when the home is fit to live in again or after twelve months, whichever is sooner.\n\n§ 56  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Policyholder must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 57  Claims documents\n(1) The Policyholder must provide, at the Policyholder's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 58  Cooperation\n(1) The Policyholder must give the Insurer all the help and information the Insurer reasonably need to settle a claim.\n(2) The Policyholder must not admit liability or offer to settle any claim without the Insurer's written permission.\n\n§ 59  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 60  Third-party administrators\n(1) The Insurer may appoint another company to handle claims or other services on the Insurer's behalf.\n(2) Any company the Insurer appoints must follow the terms of this policy and applicable data protection law.\n\n=== CLAIM ===\nClaim summary: Rafael Farouk; policy H394463; policy start 23 July 2025; schedule covers Theft, Escape of Water, Flood; extensions none. Section claimed: Flood, for garden furniture and tools. Incident date 23 September 2025; notified 5 November 2025; assessed loss $1,285. Facts: Heavy rain caused the nearby river to burst its banks and flood the street. Rafael works from home three days a week.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"not_covered": "Decline: Flood is not a cover shown in the schedule", "deny_waiting": "Decline: the incident happened during the waiting period (§ 11(2))", "deny_flood_warning": "Decline under the flood warnings exclusion (§ 11(4))", "pay_limit": "Pay up to the Flood limit", "deny_late": "Decline: the claim was notified too late (§ 49(2))"}, "src": "hard_long_policy", "label": "deny_late"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$285", "b": "$1,000", "c": "$0", "d": "$1,285", "e": "$19,000"}, "src": "hard_long_policy", "label": "c"}}, "_meta": {"id": "hard-v1/long_policy/development/00094", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00094", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "home", "target": "deny_late", "category": "flood", "tempting": null, "facts": {"domain": "home", "fee_order": "after", "notice_days": 21, "categories": {"theft": {"limit": 40000, "fee": 100, "waiting": 0, "purchased": true}, "water": {"limit": 15000, "fee": 250, "waiting": 0, "purchased": true}, "accidental": {"limit": 5000, "fee": 100, "waiting": 0, "purchased": false}, "flood": {"limit": 20000, "fee": 1000, "waiting": 60, "purchased": true}}, "classes": {"high_risk": {"category": "theft", "cap": 1000}, "bicycles": {"category": "theft", "cap": 800}, "art": {"category": "water", "cap": 2000}, "portable": {"category": "accidental", "cap": 750}, "garden": {"category": "flood", "cap": 1000}}, "exclusions": [{"key": "unoccupied", "categories": ["theft"], "kind": "threshold", "thr": 30, "cmp": "gt", "has_exception": false}, {"key": "no_forced_entry", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "outbuilding", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "gradual", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "sealant", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pets", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear_home", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "flood_warning", "categories": ["flood"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "flood", "item": "the garden furniture and tools", "item_class": "garden", "loss_cents": 128500, "start": "2025-07-23", "incident": "2025-09-23", "reported": "2025-11-05", "conditions": {}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"not_covered": "not_covered", "deny_waiting": "deny_waiting", "deny_flood_warning": "deny_flood_warning", "pay_limit": "pay_limit", "deny_late": "deny_late"}, "amount": {"a": 28500, "b": 100000, "c": 0, "d": 128500, "e": 1900000}}}, "text_sha256": "4fee8698260b77bf69e856f42c873e713d0ed2a54d4ba1fab6c566e88efdda32", "state_tokens": 4441}}
{"state": "MEMO\nRe: Comparing odds\n\nThere is a eighty percent chance that the server patch installs without errors. There is a twenty-five percent chance that the supplier delivers on time; these two are independent. There is a twenty-one percent chance that the shipment clears customs on the first day.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which is more likely?", "criteria": {"second_event": "That the shipment clears customs on the first day", "first_event": "Both of these happen: the server patch installs without errors, and the supplier delivers on time", "equally_likely": "They are equally likely"}, "src": "hard_probability", "label": "second_event"}}, "_meta": {"id": "hard-v1/probability/development/00022", "source": "hard_probability", "group_id": "hard-v1/probability/development/00022", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "compare", "facts": {"kind": "compare", "p": {}, "a": {"op": "and", "p1": "80/100", "p2": "25/100"}, "b": "21/100", "options_q": {"choice": {"second_event": "second_event", "first_event": "first_event", "equally_likely": "equally_likely"}}}, "text_sha256": "8696459a9a073f68937522caa34fc465104f60b231e7ca647c0a03ee9486e3b7", "state_tokens": 59}}
{"state": "MEMO\nRe: Approval routing\n\nPurchase requests of this size must be approved by the nearest person above the requester in the reporting line whose title is Senior Manager or more senior. Seniority, from junior to senior: Analyst, Engineer, Manager, Senior Manager, Director, Vice President, Chief Executive. Mateo reports to Owen. Colm reports to Farah.\n\nMaya reports to Colm. Rafael reports to Jonas. Zainab reports to Luca.\n\nElin reports to Kofi. Jonas is a Director. Luca is a Manager.\n\nMateo is a Manager. Leila is a Manager. Ravi is a Manager.\n\nElin is a Director. Kofi is a Vice President. Rafael is a Manager.\n\nColm is a Senior Manager. Maya is a Manager. Chloe is a Chief Executive.\n\nFarah is a Director. Zainab is an Engineer. Owen is a Senior Manager.\n\nFarah reports to Kofi. Kofi reports to Chloe. Owen reports to Elin.\n\nLeila reports to Owen. Ravi reports to Jonas. Jonas reports to Farah.\n\nLuca reports to Colm. Zainab has submitted a purchase request for $18,500.", "questions": {"approver": {"type": "choice", "instructions": "Which person has to approve the request?", "criteria": {"chloe": null, "farah": null, "luca": null, "kofi": null, "colm": null}, "src": "hard_multi_hop", "label": "colm"}}, "_meta": {"id": "hard-v1/multi_hop/development/00079", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00079", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "org", "rule": "title", "hops": 5, "facts": {"kind": "org", "reports": {"Kofi": "Chloe", "Farah": "Kofi", "Elin": "Kofi", "Colm": "Farah", "Jonas": "Farah", "Owen": "Elin", "Luca": "Colm", "Maya": "Colm", "Rafael": "Jonas", "Ravi": "Jonas", "Leila": "Owen", "Mateo": "Owen", "Zainab": "Luca"}, "titles": {"Chloe": "Chief Executive", "Kofi": "Vice President", "Farah": "Director", "Elin": "Director", "Colm": "Senior Manager", "Jonas": "Director", "Owen": "Senior Manager", "Luca": "Manager", "Maya": "Manager", "Rafael": "Manager", "Ravi": "Manager", "Leila": "Manager", "Mateo": "Manager", "Zainab": "Engineer"}, "requester": "Zainab", "rule": "title", "min_title": "Senior Manager", "options_q": {"approver": {"chloe": "chloe", "farah": "farah", "luca": "luca", "kofi": "kofi", "colm": "colm"}}}, "text_sha256": "774185d42e5a03f5b485fd37c85ad58c9c7b0b198b6b2d030b8871708026f835", "state_tokens": 253}}
{"state": "MEMO\nRe: Invoice payment timing\n\nA late fee applies when payment arrives more than 30 days after the invoice date. Payment reached the account on 29 September 2025. Invoice 40706 was issued on 9 September 2025.", "questions": {"days": {"type": "choice", "instructions": "Number of days from invoice to payment:", "criteria": {"a": "22 days", "b": "19 days", "c": "20 days", "d": "21 days", "e": "18 days"}, "src": "hard_temporal_numeric", "label": "c"}, "late": {"type": "noul", "instructions": "Does the late fee apply?", "src": "hard_temporal_numeric", "label": false}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00044", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00044", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "diff", "facts": {"kind": "diff", "invoice": "2025-09-09", "paid": "2025-09-29", "limit": 30, "options_q": {"days": {"a": 22, "b": 19, "c": 20, "d": 21, "e": 18}}}, "text_sha256": "f4d590b096d440e5df982ad562b7ebb305702cd4d4042e6963dc385f888093f9", "state_tokens": 61}}
{"state": "MEMO\nRe: Outage: email-relay\n\nOutages propagate along hard dependencies: if a service goes down, every service that depends on it, directly or through other hard dependencies, is affected. Soft dependencies do not propagate outages. notification-hub depends on geo-lookup. inventory-db depends on cdn-edge.\n\nsession-cache depends on inventory-db. fraud-scorer depends on geo-lookup. payments-gateway depends on fraud-scorer.\n\nemail-relay depends on billing-api. user-profile depends on session-cache. cdn-edge depends on email-relay.\n\nemail-relay is currently down.", "questions": {"affected": {"type": "choice", "instructions": "Which of these will the outage reach?", "criteria": {"notification_hub": null, "user_profile": null, "fraud_scorer": null, "billing_api": null, "none_affected": "None of these services is affected"}, "src": "hard_multi_hop", "label": "user_profile"}}, "_meta": {"id": "hard-v1/multi_hop/development/00057", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00057", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "deps", "hops": 4, "soft": false, "facts": {"kind": "deps", "edges": [["cdn-edge", "email-relay", false], ["inventory-db", "cdn-edge", false], ["session-cache", "inventory-db", false], ["user-profile", "session-cache", false], ["email-relay", "billing-api", false], ["fraud-scorer", "geo-lookup", false], ["notification-hub", "geo-lookup", false], ["payments-gateway", "fraud-scorer", false]], "down": "email-relay", "candidates": ["user-profile", "billing-api", "notification-hub", "fraud-scorer"], "options_q": {"affected": {"notification_hub": "notification_hub", "user_profile": "user_profile", "fraud_scorer": "fraud_scorer", "billing_api": "billing_api", "none_affected": "none_affected"}}}, "text_sha256": "50828fa67aced53467ebb8d488ded6fc6e984adff35547b5c5f6d66ba662e23c", "state_tokens": 128}}
{"state": "MEMO\nRe: Group structure\n\nAn entity controls a company if it holds more than 50% of that company's shares, counting shares it holds directly and shares held by companies it controls. Birchfield Capital owns 41% of Aldermoor Holdings. Juno Capital owns 33% of Aldermoor Holdings.\n\nHollis Investments owns 77% of Juno Capital. Eastgate Partners owns 44% of Garrow Trust. Eastgate Partners owns 23% of Juno Capital.\n\nHollis Investments owns 56% of Garrow Trust. Garrow Trust owns 26% of Aldermoor Holdings.", "questions": {"controller": {"type": "choice", "instructions": "Name the ultimate controller of Aldermoor Holdings.", "criteria": {"birchfield_capital": null, "hollis_investments": null, "garrow_trust": null, "juno_capital": null, "no_controller": "No entity controls it"}, "src": "hard_multi_hop", "label": "hollis_investments"}, "interest": {"type": "choice", "instructions": "What is Hollis Investments's effective economic interest in Aldermoor Holdings (its share of Aldermoor Holdings's profits through all holdings)?", "criteria": {"a": "77.0%", "b": "80.0%", "c": "26.0%", "d": "40.0%", "e": "59.0%"}, "src": "hard_multi_hop", "label": "d"}}, "_meta": {"id": "hard-v1/multi_hop/development/00067", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00067", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "ownership", "shape": "split", "facts": {"kind": "ownership", "stakes": {"Garrow Trust": {"Hollis Investments": "56/100", "Eastgate Partners": "44/100"}, "Juno Capital": {"Hollis Investments": "77/100", "Eastgate Partners": "23/100"}, "Aldermoor Holdings": {"Garrow Trust": "26/100", "Juno Capital": "33/100", "Birchfield Capital": "41/100"}}, "candidates": ["Hollis Investments", "Birchfield Capital", "Garrow Trust", "Juno Capital"], "target": "Aldermoor Holdings", "top": "Hollis Investments", "options_q": {"controller": {"birchfield_capital": "birchfield_capital", "hollis_investments": "hollis_investments", "garrow_trust": "garrow_trust", "juno_capital": "juno_capital", "no_controller": "no_controller"}, "interest": {"a": 770, "b": 800, "c": 260, "d": 400, "e": 590}}}, "text_sha256": "8d788d4eb2edb97c139fc9fa90b01946094d40270bc57f5472324cb868e55e47", "state_tokens": 139}}
{"state": "MEMO\nRe: Return window\n\nReturns are accepted if the return request is made within 30 days of delivery. Wen Bauer ordered a standing desk on 16 March 2026. The desk was delivered on 27 March 2026.\n\nWen asked to return it on 4 May 2026. The desk is unused and in its original packaging.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"accept_return": "Accept the return", "reject_return": "Reject the return as outside the window", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "reject_return"}}, "_meta": {"id": "hard-v1/ambiguous/development/00060", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00060", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "return_window", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "return_window", "insufficient_key": "not_enough_information", "params": {"window": 30, "order": "2026-03-16", "delivered": "2026-03-27", "request": "2026-05-04"}, "deciding_present": true, "options_q": {"decision": {"accept_return": "accept_return", "reject_return": "reject_return", "not_enough_information": "not_enough_information"}}}, "text_sha256": "d7df7a2e1729d9e2f214c7b850901191359c9b6e09a51f6399c49cb313f4a8b7", "state_tokens": 84}}
{"state": "MEMO\nRe: Group structure\n\nAn entity controls a company if it holds more than 50% of that company's shares, counting shares it holds directly and shares held by companies it controls. Dunmore Ventures owns 29% of Aldermoor Holdings. Kilnworth plc owns 27% of Aldermoor Holdings.\n\nCresta Group owns 12% of Dunmore Ventures. Garrow Trust owns 85% of Kilnworth plc. Cresta Group owns 15% of Kilnworth plc.\n\nFenwick Industries owns 44% of Aldermoor Holdings. Garrow Trust owns 88% of Dunmore Ventures.", "questions": {"controller": {"type": "choice", "instructions": "Name the ultimate controller of Aldermoor Holdings.", "criteria": {"no_controller": "No entity controls it", "kilnworth_plc": null, "garrow_trust": null, "dunmore_ventures": null, "fenwick_industries": null}, "src": "hard_multi_hop", "label": "garrow_trust"}, "interest": {"type": "choice", "instructions": "What is Garrow Trust's effective economic interest in Aldermoor Holdings (its share of Aldermoor Holdings's profits through all holdings)?", "criteria": {"a": "48.5%", "b": "56.0%", "c": "88.0%", "d": "97.0%", "e": "27.0%"}, "src": "hard_multi_hop", "label": "a"}}, "_meta": {"id": "hard-v1/multi_hop/development/00053", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00053", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "ownership", "shape": "split", "facts": {"kind": "ownership", "stakes": {"Kilnworth plc": {"Garrow Trust": "85/100", "Cresta Group": "15/100"}, "Dunmore Ventures": {"Garrow Trust": "88/100", "Cresta Group": "12/100"}, "Aldermoor Holdings": {"Kilnworth plc": "27/100", "Dunmore Ventures": "29/100", "Fenwick Industries": "44/100"}}, "candidates": ["Garrow Trust", "Fenwick Industries", "Kilnworth plc", "Dunmore Ventures"], "target": "Aldermoor Holdings", "top": "Garrow Trust", "options_q": {"controller": {"no_controller": "no_controller", "kilnworth_plc": "kilnworth_plc", "garrow_trust": "garrow_trust", "dunmore_ventures": "dunmore_ventures", "fenwick_industries": "fenwick_industries"}, "interest": {"a": 485, "b": 560, "c": 880, "d": 970, "e": 270}}}, "text_sha256": "2711a0f764c02865a31a121bbd46aa50bee7e0b509f55442dc21fdf0d756e285", "state_tokens": 141}}
{"state": "SPEC SHEET: a marketing agency for the spring campaign\nNorthlight Studio | fee=$22,500 | lead time=9 weeks | portfolio rating=5/10 | ease of integration score=5/10 | ease of use score=10/10 | scalability score=5/10 | B2B campaign experience=no | in-house video production=yes\nBrightside Creative | fee=$28,500 | lead time=7 weeks | portfolio rating=5/10 | ease of integration score=10/10 | ease of use score=3/10 | scalability score=4/10 | B2B campaign experience=yes | in-house video production=yes\nWildfern Agency | fee=$6,500 | lead time=4 weeks | portfolio rating=3/10 | ease of integration score=5/10 | ease of use score=3/10 | scalability score=6/10 | B2B campaign experience=yes | in-house video production=no\nTallgrass Media | fee=$9,500 | lead time=10 weeks | portfolio rating=7/10 | ease of integration score=8/10 | ease of use score=3/10 | scalability score=7/10 | B2B campaign experience=no | in-house video production=yes\nSignal & Co | fee=$19,000 | lead time=11 weeks | portfolio rating=4/10 | ease of integration score=7/10 | ease of use score=8/10 | scalability score=5/10 | B2B campaign experience=yes | in-house video production=yes\nR1: it must offer B2B campaign experience\nR2: its lead time must be at most 9 weeks\nSelection: Each option has been scored from 1 to 10 on ease of integration, ease of use and scalability (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 50% ease of integration, 30% ease of use, 20% scalability.", "questions": {"choice": {"type": "choice", "instructions": "Which agency best satisfies the brief?", "criteria": {"wildfern_agency": null, "northlight_studio": null, "signal_co": null, "brightside_creative": null, "tallgrass_media": null}, "src": "hard_tradeoff", "label": "brightside_creative"}, "meets": {"type": "noul", "instructions": "Is Northlight Studio compliant with all the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00086", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00086", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "agency", "none_case": false, "facts": {"rule": "weighted", "options": {"Northlight Studio": {"cost": 22500, "lead": 9, "portfolio": 5, "b2b": false, "inhouse": true, "ease of integration": 5, "ease of use": 10, "scalability": 5}, "Brightside Creative": {"cost": 28500, "lead": 7, "portfolio": 5, "b2b": true, "inhouse": true, "ease of integration": 10, "ease of use": 3, "scalability": 4}, "Wildfern Agency": {"cost": 6500, "lead": 4, "portfolio": 3, "b2b": true, "inhouse": false, "ease of integration": 5, "ease of use": 3, "scalability": 6}, "Tallgrass Media": {"cost": 9500, "lead": 10, "portfolio": 7, "b2b": false, "inhouse": true, "ease of integration": 8, "ease of use": 3, "scalability": 7}, "Signal & Co": {"cost": 19000, "lead": 11, "portfolio": 4, "b2b": true, "inhouse": true, "ease of integration": 7, "ease of use": 8, "scalability": 5}}, "constraints": [{"attr": "b2b", "op": "is", "value": true}, {"attr": "lead", "op": "<=", "value": 9}], "priority": [], "weights": {"ease of integration": 50, "ease of use": 30, "scalability": 20}, "years": null, "check": "Northlight Studio", "options_q": {"choice": {"wildfern_agency": "wildfern_agency", "northlight_studio": "northlight_studio", "signal_co": "signal_co", "brightside_creative": "brightside_creative", "tallgrass_media": "tallgrass_media"}}}, "text_sha256": "bd19f5089d904635099fea0ccb22b6510c02e371bf257bfc662a082336112f67", "state_tokens": 448}}
{"state": "MEMO\nRe: Invoice payment timing\n\nA late fee applies when payment arrives more than 45 days after the invoice date. Invoice 27068 was issued on 10 January 2027. Payment reached the account on 6 March 2027.", "questions": {"days": {"type": "choice", "instructions": "Number of days from invoice to payment:", "criteria": {"a": "54 days", "b": "57 days", "c": "55 days", "d": "56 days", "e": "53 days"}, "src": "hard_temporal_numeric", "label": "c"}, "late": {"type": "noul", "instructions": "Should the late fee be charged?", "src": "hard_temporal_numeric", "label": true}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00055", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00055", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "diff", "facts": {"kind": "diff", "invoice": "2027-01-10", "paid": "2027-03-06", "limit": 45, "options_q": {"days": {"a": 54, "b": 57, "c": 55, "d": 56, "e": 53}}}, "text_sha256": "bc102e42daa7110c646c96118bb23ec34bdcc20e3f31543c9c775293f0a3f93b", "state_tokens": 61}}
{"state": "REVIEW REQUEST\nItem: Machine A packs 50 boxes per hour and machine B packs 188 boxes per hour. Working together, how many hours do they need to pack 476 boxes? Give one decimal place.\nSubmitted result: Pretty sure it's 2.0 hours", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "2.1 hours", "b": "2.5 hours", "c": "12.1 hours", "d": "2.0 hours", "e": "4.0 hours"}, "src": "hard_judge", "label": "d"}}, "_meta": {"id": "hard-v1/judge/development/00029", "source": "hard_judge", "group_id": "hard-v1/judge/development/00029", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "rate", "error": null, "facts": {"kind": "rate", "args": {"items": 476, "r1": 50, "r2": 188}, "dp": 1, "proposed": 20, "error": null, "options_q": {"value": {"a": 21, "b": 25, "c": 121, "d": 20, "e": 40}}}, "text_sha256": "8c9e2b13cc3ef56c15118c2874b1b33961df9cd3e622a9e035fe2ee6d5e7bc9a", "state_tokens": 62}}
{"state": "MEMO\nRe: Outage: search-indexer\n\nOutages propagate along hard dependencies: if a service goes down, every service that depends on it, directly or through other hard dependencies, is affected. Soft dependencies do not propagate outages. checkout-web depends on payments-gateway. inventory-db depends on ledger-service.\n\nledger-service depends on search-indexer. billing-api depends on search-indexer (soft dependency: it degrades gracefully and keeps working if search-indexer is down). search-indexer depends on pricing-engine.\n\ncatalog-api depends on checkout-web. user-profile depends on payments-gateway. search-indexer is currently down.", "questions": {"affected": {"type": "choice", "instructions": "Which of these will the outage reach?", "criteria": {"user_profile": null, "pricing_engine": null, "inventory_db": null, "billing_api": null}, "src": "hard_multi_hop", "label": "inventory_db"}}, "_meta": {"id": "hard-v1/multi_hop/development/00044", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00044", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "deps", "hops": 2, "soft": true, "facts": {"kind": "deps", "edges": [["ledger-service", "search-indexer", false], ["inventory-db", "ledger-service", false], ["search-indexer", "pricing-engine", false], ["checkout-web", "payments-gateway", false], ["user-profile", "payments-gateway", false], ["billing-api", "search-indexer", true], ["catalog-api", "checkout-web", false]], "down": "search-indexer", "candidates": ["inventory-db", "pricing-engine", "user-profile", "billing-api"], "options_q": {"affected": {"user_profile": "user_profile", "pricing_engine": "pricing_engine", "inventory_db": "inventory_db", "billing_api": "billing_api"}}}, "text_sha256": "8dc91be776cbf800ecfb5336baeb827fa9ccc9a86ed74d8b474ab65424043305", "state_tokens": 130}}
{"state": "MEMO\nRe: Complaint response deadline\n\nKestrel Systems must answer every formal complaint within 9 business days of receiving it. Business days are Monday to Friday, excluding the public holidays listed here; the day the complaint is received does not count. Public holidays this year: Civic Day (Wednesday 29 April 2026); Heritage Day (Friday 15 May 2026); Harvest Day (Friday 26 June 2026).\n\nA complaint was received on Friday 8 May 2026.", "questions": {"due": {"type": "choice", "instructions": "Compute the due date.", "criteria": {"a": "22 May 2026", "b": "21 May 2026", "c": "23 May 2026", "d": "17 May 2026", "e": "25 May 2026"}, "src": "hard_temporal_numeric", "label": "a"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00042", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00042", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "deadline", "facts": {"kind": "deadline", "received": "2026-05-08", "n": 9, "holidays": ["2026-04-29", "2026-05-15", "2026-06-26"], "options_q": {"due": {"a": "2026-05-22", "b": "2026-05-21", "c": "2026-05-23", "d": "2026-05-17", "e": "2026-05-25"}}}, "text_sha256": "5da83a63d82aebc94dbc64c578929eefe7d23a9a0a28e60995ac1fcc75e90228", "state_tokens": 114}}
{"state": "MEMO\nRe: Alert precision\n\nA churn model marks customers as at risk. Historically, sixty percent of customers are going to cancel within 90 days. When one of the customers is going to cancel within 90 days, the system marks it ninety-eight percent of the time.\n\nWhen one of the customers is not going to cancel within 90 days, the system still marks it three percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that one of the customers that the system has marked is actually going to cancel within 90 days?", "criteria": {"a": "58.8%", "b": "60.0%", "c": "95.0%", "d": "98.0%", "e": "97.0%"}, "src": "hard_probability", "label": "d"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that one of the customers that the system has marked is going to cancel within 90 days?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 5}}, "_meta": {"id": "hard-v1/probability/development/00085", "source": "hard_probability", "group_id": "hard-v1/probability/development/00085", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "bayes", "facts": {"kind": "bayes", "p": {"base": "60/100", "sens": "98/100", "fpr": "3/100"}, "options_q": {"value": {"a": 588, "b": 600, "c": 950, "d": 980, "e": 970}}, "qid2": "bucket"}, "text_sha256": "fadb5fc5f19915e6b7253915462caf5f23a05b7fc6fe899a1118559965e52a3d", "state_tokens": 88}}
{"state": "MEMO\nRe: Recurring schedule\n\nThe payroll run happens every other week on the same weekday. The first run of the year was on Sunday 7 June 2026. Question concerns the 4th run of the year, counting the first run as run 1.", "questions": {"date": {"type": "choice", "instructions": "Date of the requested occurrence:", "criteria": {"a": "2 August 2026", "b": "28 June 2026", "c": "19 July 2026", "d": "5 July 2026", "e": "20 July 2026"}, "src": "hard_temporal_numeric", "label": "c"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00081", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00081", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "recurring_every_n_weeks", "facts": {"kind": "recurring", "pattern": "every_n_weeks", "first": "2026-06-07", "n": 2, "k": 4, "options_q": {"date": {"a": "2026-08-02", "b": "2026-06-28", "c": "2026-07-19", "d": "2026-07-05", "e": "2026-07-20"}}}, "text_sha256": "2aab523580bb94bf653f5dd137a8c471ec438e33a4405c76c4515fbccfc73337", "state_tokens": 59}}
{"state": "SPEC SHEET: a payment processor for the online store\nQuickcheck | fee per transaction=2.90% | payout delay=2 days | uptime commitment=99.83% | ease of use score=8/10 | vendor stability score=10/10 | documentation score=9/10 | multi-currency settlement=yes | a chargeback protection service=yes\nCoinbridge | fee per transaction=3.35% | payout delay=2 days | uptime commitment=99.88% | ease of use score=3/10 | vendor stability score=7/10 | documentation score=5/10 | multi-currency settlement=yes | a chargeback protection service=yes\nPaylane | fee per transaction=2.05% | payout delay=1 days | uptime commitment=99.64% | ease of use score=7/10 | vendor stability score=9/10 | documentation score=7/10 | multi-currency settlement=yes | a chargeback protection service=yes\nR1: its payout delay must be at most 1 days\nR2: it must offer a chargeback protection service\nSelection: Each option has been scored from 1 to 10 on ease of use, vendor stability and documentation (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 40% ease of use, 35% vendor stability, 25% documentation.", "questions": {"choice": {"type": "choice", "instructions": "Which processor best satisfies the brief?", "criteria": {"paylane": null, "quickcheck": null, "coinbridge": null}, "src": "hard_tradeoff", "label": "paylane"}, "meets": {"type": "noul", "instructions": "Is Paylane compliant with all the hard requirements?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00024", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00024", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "processor", "none_case": false, "facts": {"rule": "weighted", "options": {"Quickcheck": {"cost": 290, "payout": 2, "uptime": 9983, "multicurrency": true, "disputes": true, "ease of use": 8, "vendor stability": 10, "documentation": 9}, "Coinbridge": {"cost": 335, "payout": 2, "uptime": 9988, "multicurrency": true, "disputes": true, "ease of use": 3, "vendor stability": 7, "documentation": 5}, "Paylane": {"cost": 205, "payout": 1, "uptime": 9964, "multicurrency": true, "disputes": true, "ease of use": 7, "vendor stability": 9, "documentation": 7}}, "constraints": [{"attr": "payout", "op": "<=", "value": 1}, {"attr": "disputes", "op": "is", "value": true}], "priority": [], "weights": {"ease of use": 40, "vendor stability": 35, "documentation": 25}, "years": null, "check": "Paylane", "options_q": {"choice": {"paylane": "paylane", "quickcheck": "quickcheck", "coinbridge": "coinbridge"}}}, "text_sha256": "8005868afbecb4eeeb1f65c38acbf438b5b719e923db595e96201312ac3d29d5", "state_tokens": 311}}
{"state": "SPEC SHEET: a freight carrier for the Rotterdam to Milan lane\nAlpfreight | price per shipment=$1,600 | transit time=11 days | damage rate=2.10% | temperature-controlled trailers=yes | live GPS tracking=no\nKestrel Haulage | price per shipment=$2,450 | transit time=6 days | damage rate=1.05% | temperature-controlled trailers=yes | live GPS tracking=yes\nMeridian Cargo | price per shipment=$3,600 | transit time=7 days | damage rate=1.55% | temperature-controlled trailers=yes | live GPS tracking=yes\nPortway | price per shipment=$1,625 | transit time=3 days | damage rate=2.35% | temperature-controlled trailers=yes | live GPS tracking=yes\nR1: its transit time must be at most 4 days\nSelection: Among the options that meet every requirement, choose the one with the lowest damage rate; if two or more are tied on damage rate, choose the one with the lowest price per shipment.", "questions": {"choice": {"type": "choice", "instructions": "Which carrier best satisfies the brief?", "criteria": {"portway": null, "kestrel_haulage": null, "meridian_cargo": null, "alpfreight": null}, "src": "hard_tradeoff", "label": "portway"}, "meets": {"type": "noul", "instructions": "Is Portway compliant with all the hard requirements?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00048", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00048", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "carrier", "none_case": false, "facts": {"rule": "lex", "options": {"Alpfreight": {"cost": 1600, "transit": 11, "damage": 210, "reefer": true, "tracking": false}, "Kestrel Haulage": {"cost": 2450, "transit": 6, "damage": 105, "reefer": true, "tracking": true}, "Meridian Cargo": {"cost": 3600, "transit": 7, "damage": 155, "reefer": true, "tracking": true}, "Portway": {"cost": 1625, "transit": 3, "damage": 235, "reefer": true, "tracking": true}}, "constraints": [{"attr": "transit", "op": "<=", "value": 4}], "priority": [["damage", "lower"], ["cost", "lower"]], "weights": {}, "years": null, "check": "Portway", "options_q": {"choice": {"portway": "portway", "kestrel_haulage": "kestrel_haulage", "meridian_cargo": "meridian_cargo", "alpfreight": "alpfreight"}}}, "text_sha256": "1b292731e63519eb8c6dddf4ee52fbca6c7ca8ebaf3797d8cc9f77654a669262", "state_tokens": 227}}
{"state": "MEMO\nRe: Group structure\n\nAn entity controls a company if it holds more than 50% of that company's shares, counting shares it holds directly and shares held by companies it controls. Cresta Group owns 27% of Aldermoor Holdings. Ivel Holdings owns 39% of Aldermoor Holdings.\n\nEastgate Partners owns 34% of Aldermoor Holdings. Kilnworth plc owns 13% of Ivel Holdings. Juno Capital owns 87% of Ivel Holdings.", "questions": {"controller": {"type": "choice", "instructions": "Name the ultimate controller of Aldermoor Holdings.", "criteria": {"no_controller": "No entity controls it", "cresta_group": null, "juno_capital": null, "eastgate_partners": null, "ivel_holdings": null}, "src": "hard_multi_hop", "label": "no_controller"}, "interest": {"type": "choice", "instructions": "What is Juno Capital's effective economic interest in Aldermoor Holdings (its share of Aldermoor Holdings's profits through all holdings)?", "criteria": {"a": "67.8%", "b": "66.0%", "c": "87.0%", "d": "33.9%", "e": "39.0%"}, "src": "hard_multi_hop", "label": "d"}}, "_meta": {"id": "hard-v1/multi_hop/development/00023", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00023", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "ownership", "shape": "none", "facts": {"kind": "ownership", "stakes": {"Ivel Holdings": {"Juno Capital": "87/100", "Kilnworth plc": "13/100"}, "Aldermoor Holdings": {"Ivel Holdings": "39/100", "Eastgate Partners": "34/100", "Cresta Group": "27/100"}}, "candidates": ["Juno Capital", "Eastgate Partners", "Ivel Holdings", "Cresta Group"], "target": "Aldermoor Holdings", "top": "Juno Capital", "options_q": {"controller": {"no_controller": "no_controller", "cresta_group": "cresta_group", "juno_capital": "juno_capital", "eastgate_partners": "eastgate_partners", "ivel_holdings": "ivel_holdings"}, "interest": {"a": 678, "b": 660, "c": 870, "d": 339, "e": 390}}}, "text_sha256": "19080d3af156ead7111ddbcb52f81dcb7a07c3cba24be80d605bbbcce9c51078", "state_tokens": 111}}
{"state": "MEMO\nRe: Group structure\n\nAn entity controls a company if it holds more than 50% of that company's shares, counting shares it holds directly and shares held by companies it controls. Juno Capital owns 38% of Fenwick Industries. Hollis Investments owns 62% of Fenwick Industries.\n\nDunmore Ventures owns 36% of Birchfield Capital. Fenwick Industries owns 31% of Birchfield Capital. Lysander Group owns 33% of Birchfield Capital.\n\nHollis Investments owns 63% of Lysander Group. Juno Capital owns 37% of Lysander Group.", "questions": {"controller": {"type": "choice", "instructions": "Name the ultimate controller of Birchfield Capital.", "criteria": {"dunmore_ventures": null, "hollis_investments": null, "no_controller": "No entity controls it", "fenwick_industries": null, "lysander_group": null}, "src": "hard_multi_hop", "label": "hollis_investments"}, "interest": {"type": "choice", "instructions": "What is Hollis Investments's effective economic interest in Birchfield Capital (its share of Birchfield Capital's profits through all holdings)?", "criteria": {"a": "63.0%", "b": "33.0%", "c": "64.0%", "d": "40.0%", "e": "80.0%"}, "src": "hard_multi_hop", "label": "d"}}, "_meta": {"id": "hard-v1/multi_hop/development/00030", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00030", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "ownership", "shape": "split", "facts": {"kind": "ownership", "stakes": {"Lysander Group": {"Hollis Investments": "63/100", "Juno Capital": "37/100"}, "Fenwick Industries": {"Hollis Investments": "62/100", "Juno Capital": "38/100"}, "Birchfield Capital": {"Lysander Group": "33/100", "Fenwick Industries": "31/100", "Dunmore Ventures": "36/100"}}, "candidates": ["Hollis Investments", "Dunmore Ventures", "Lysander Group", "Fenwick Industries"], "target": "Birchfield Capital", "top": "Hollis Investments", "options_q": {"controller": {"dunmore_ventures": "dunmore_ventures", "hollis_investments": "hollis_investments", "no_controller": "no_controller", "fenwick_industries": "fenwick_industries", "lysander_group": "lysander_group"}, "interest": {"a": 630, "b": 330, "c": 640, "d": 400, "e": 800}}}, "text_sha256": "bc91bcfd57bc3dd5c75a8c4a16ebbf83d4be236b91cf1525fde0ec526a8f2e3d", "state_tokens": 139}}
{"state": "RENTERS CONTENTS PROTECTION\nIssued by Oakfield Assurance\nIn this policy, \"the Insurer\" means Oakfield Assurance and \"the Policyholder\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Art and antiques means paintings, antiques, rugs and other works of art.\n(2) Bicycles means bicycles and electric scooters.\n(3) Business day means Monday to Friday, excluding public holidays.\n(4) Contents means household goods and personal possessions that belong to the Policyholder or the Policyholder's family.\n(5) Forcible entry means entry to the home that leaves visible damage to doors, windows or locks.\n(6) Garden items means garden furniture, plants and outdoor tools.\n(7) High-risk items means jewellery, watches, laptops, games consoles and cameras.\n(8) Incident means a single event, or a series of events arising from one cause.\n(9) Limit means the most the Insurer will pay for all claims under a section arising from one incident.\n(10) Outbuilding means a shed, garage or greenhouse within the boundaries of the home.\n(11) Portable electronics means laptops, tablets and mobile phones.\n(12) Premium means the amount the Policyholder must pay for this policy, including any taxes.\n(13) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(14) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(15) Unoccupied means not lived in by the Policyholder or a member of the Policyholder's family for more than 60 consecutive days.\n\n§ 2  Limits and excess\n(1) Theft: limit $40,000 per incident; excess $250 per claim.\n(2) Escape of Water: limit $30,000 per incident; excess $250 per claim.\n(3) Accidental Damage: limit $5,000 per incident; excess $50 per claim.\n(4) Flood: limit $20,000 per incident; excess $1,000 per claim.\n(5) The excess is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Duty of fair presentation\n(1) The Policyholder must answer all questions the Insurer asks honestly and to the best of the Policyholder's knowledge.\n(2) If the Policyholder gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Policyholder gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 4  Third-party administrators\n(1) The Insurer may appoint another company to handle claims or other services on the Insurer's behalf.\n(2) Any company the Insurer appoints must follow the terms of this policy and applicable data protection law.\n\n§ 5  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 6  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 7  Assignment\n(1) The Policyholder cannot transfer the Policyholder's interest in this policy to anyone else without the Insurer's written consent.\n\n§ 8  Electronic documents\n(1) The Insurer will send documents by email unless the Policyholder asks for paper copies.\n(2) The Policyholder must tell the Insurer if the Policyholder's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 9  Reasonable precautions\n(1) The Policyholder must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Policyholder must take reasonable steps to recover lost or stolen property.\n\n§ 10  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 11  Premium payment\n(1) The Policyholder must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Insurer may cancel the policy after giving notice.\n\n§ 12  Theft\n(1) The Insurer will pay for contents stolen from the Policyholder's home.\n(2) The most the Insurer will pay for High-risk items under this section is $1,000 per incident.\n(3) The most the Insurer will pay for Bicycles under this section is $800 per incident.\n(4) The Insurer will not pay for theft while the home is unoccupied.\n(5) The Insurer will not pay for theft where there is no sign of forced entry to the home. This exclusion does not apply where the thief gained entry by deception, for example by posing as a utility worker.\n(6) The Insurer will not pay for theft from sheds, garages or other outbuildings. This exclusion does not apply if the outbuilding was locked and the theft involved forcible entry.\n\n§ 13  Flood\n(1) The Insurer will pay for contents damaged by flood water entering the Policyholder's home.\n(2) No cover applies under this section to any incident that happens within the first 60 days after the policy start date.\n(3) The most the Insurer will pay for Garden items under this section is $500 per incident.\n(4) The Insurer will not pay for flood damage where a flood warning for the Policyholder's area had been issued before the policy started.\n\n§ 14  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Policyholder must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 15  Alternative accommodation\n(1) If the Policyholder's home cannot be lived in after damage covered by this policy, the Insurer will pay the reasonable cost of comparable temporary accommodation.\n(2) The Insurer will also pay for the temporary housing of pets that live with the Policyholder.\n(3) Cover ends when the home is fit to live in again or after twelve months, whichever is sooner.\n\n§ 16  Automatic renewal\n(1) Unless the Policyholder tells the Insurer otherwise, this policy will renew automatically at the end of the policy period using the payment details the Insurer holds.\n(2) The Policyholder can switch off automatic renewal at any time by contacting the Insurer's helpline.\n\n§ 17  Inflation\n(1) The Insurer may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Policyholder's renewal documents; limits do not change during a policy period.\n\n§ 18  Instalment agreements\n(1) If the Policyholder pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 19  Freezer contents\n(1) The Insurer will pay for food in a domestic freezer that spoils because of a rise or fall in temperature.\n(2) The Insurer will not pay if the freezer is more than fifteen years old, or if the electricity supplier cut the supply deliberately.\n\n§ 20  Optional cover: Accidental Damage\n(1) The Insurer will pay for sudden and unexpected accidental damage to the Policyholder's contents inside the home.\n(2) This section applies only if it is shown as purchased in the Policyholder's schedule.\n(3) The most the Insurer will pay for Portable electronics under this section is $500 per incident.\n(4) The Insurer will not pay for damage caused by pets.\n(5) The Insurer will not pay for wear and tear, or damage that happens gradually.\n\n§ 21  Renewal\n(1) The Insurer will write to the Policyholder at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 22  Escape of Water\n(1) The Insurer will pay for contents damaged by water escaping from a fixed pipe, tank or domestic appliance.\n(2) The most the Insurer will pay for Art and antiques under this section is $1,000 per incident.\n(3) The Insurer will not pay for damage caused by water leaking gradually over a period of time.\n(4) The Insurer will not pay for damage caused by the failure of grout or sealant around baths and showers.\n\n§ 23  Subrogation\n(1) The Insurer will be entitled to take over and conduct in the Policyholder's name the defence or settlement of any claim.\n(2) The Insurer can take action in the Policyholder's name to recover any payment the Insurer makes from anyone responsible for the loss.\n\n§ 24  Tenant's improvements\n(1) If the Policyholder rents the home, the Insurer will pay for damage to fixtures and fittings that the Policyholder installed and are responsible for.\n(2) This cover applies only to improvements the Policyholder paid for, not to items provided by the landlord.\n\n§ 25  Waiver\n(1) If the Insurer does not enforce any term of this policy, that does not mean the Insurer has given up the right to enforce it later.\n\n§ 26  Claims documents\n(1) The Policyholder must provide, at the Policyholder's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 27  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 28  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 29  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 30  Payment of claims\n(1) The Insurer will pay claims by bank transfer to an account in the Policyholder's name.\n(2) The Insurer aims to pay accepted claims within 15 working days of receiving all the documents the Insurer needs.\n\n§ 31  Records and evidence\n(1) The Policyholder should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 32  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 33  Cooperation\n(1) The Policyholder must give the Insurer all the help and information the Insurer reasonably need to settle a claim.\n(2) The Policyholder must not admit liability or offer to settle any claim without the Insurer's written permission.\n\n§ 34  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 35  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Policyholder should be sent to the address shown in the schedule.\n\n§ 36  Locks and keys\n(1) If the keys to the Policyholder's home are lost or stolen, the Insurer will pay the cost of replacing the locks to the outside doors.\n(2) The most the Insurer will pay under this clause is $750 for any one claim.\n\n§ 37  General exclusions\n(1) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n(2) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(3) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n(4) The Insurer will not pay for any deliberate or criminal act by the Policyholder.\n(5) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(6) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n\n§ 38  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 39  Compensation scheme\n(1) The Insurer is covered by a financial services compensation scheme.\n(2) If the Insurer cannot meet the Insurer's obligations, the Policyholder may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 40  Communication\n(1) The Insurer will communicate with the Policyholder in English.\n(2) The Insurer may record telephone calls for training and quality purposes.\n\n§ 41  Market conditions\n(1) If the replacement item is no longer available, the Insurer will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 42  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 43  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Insurer will pay only the Insurer's proportionate share.\n(2) The Policyholder must tell the Insurer about any other insurance that covers the same loss when the Policyholder makes a claim.\n\n§ 44  Changes in circumstances\n(1) The Policyholder must tell the Insurer as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Insurer may then change the premium or the terms of this policy, or cancel it.\n\n§ 45  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 46  Making a claim\n(1) The Policyholder must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Insurer may appoint a loss adjuster to investigate any claim.\n(3) The Policyholder must notify the Insurer of a claim within 30 days of the incident. The Insurer will not pay any claim notified after that time.\n\n§ 47  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Policyholder gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Policyholder's claims history.\n\n=== CLAIM ===\nClaim summary: Bram Lindqvist; policy B333338; policy start 27 September 2026; schedule covers Theft, Escape of Water, Accidental Damage, Flood; extensions none. Section claimed: Escape of Water, for an antique rug. Incident date 2 July 2027; notified 2 July 2027; assessed loss $606. Facts: The water came through failed grout around the shower tray. Bram works from home three days a week. A neighbour reported the incident to the building manager. The building is a converted warehouse with six flats.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"not_covered": "Decline: Escape of Water is not a cover shown in the schedule", "pay_sublimit": "Pay up to the Art and antiques sublimit (§ 22(2))", "deny_sealant": "Decline under the failed sealant exclusion (§ 22(4))", "pay_limit": "Pay up to the Escape of Water limit", "deny_gradual": "Decline under the gradual leaks exclusion (§ 22(3))"}, "src": "hard_long_policy", "label": "deny_sealant"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$750", "b": "$0", "c": "$1,000", "d": "$29,750", "e": "$356"}, "src": "hard_long_policy", "label": "b"}}, "_meta": {"id": "hard-v1/long_policy/development/00008", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00008", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "home", "target": "deny_exclusion", "category": "water", "tempting": null, "facts": {"domain": "home", "fee_order": "before", "notice_days": 30, "categories": {"theft": {"limit": 40000, "fee": 250, "waiting": 0, "purchased": true}, "water": {"limit": 30000, "fee": 250, "waiting": 0, "purchased": true}, "accidental": {"limit": 5000, "fee": 50, "waiting": 0, "purchased": true}, "flood": {"limit": 20000, "fee": 1000, "waiting": 60, "purchased": true}}, "classes": {"high_risk": {"category": "theft", "cap": 1000}, "bicycles": {"category": "theft", "cap": 800}, "art": {"category": "water", "cap": 1000}, "portable": {"category": "accidental", "cap": 500}, "garden": {"category": "flood", "cap": 500}}, "exclusions": [{"key": "unoccupied", "categories": ["theft"], "kind": "threshold", "thr": 60, "cmp": "gt", "has_exception": false}, {"key": "no_forced_entry", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "outbuilding", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "gradual", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "sealant", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pets", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear_home", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "flood_warning", "categories": ["flood"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "water", "item": "the antique rug", "item_class": "art", "loss_cents": 60600, "start": "2026-09-27", "incident": "2027-07-02", "reported": "2027-07-02", "conditions": {"sealant": true}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"not_covered": "not_covered", "pay_sublimit": "pay_sublimit", "deny_sealant": "deny_sealant", "pay_limit": "pay_limit", "deny_gradual": "deny_gradual"}, "amount": {"a": 75000, "b": 0, "c": 100000, "d": 2975000, "e": 35600}}}, "text_sha256": "a5b4a2d3f4231af16d2e5cd050d7044559e1c7c94675737e1a3ba8cf26f5a1e2", "state_tokens": 3701}}
{"state": "MEMO\nRe: Price match\n\nWe match a competitor's lower price for an identical item if the competitor has it in stock at the time of the request, but we never match a price more than 25% below ours. If the competitor's price is not lower, no adjustment is needed. Ashok Yilmaz asked us to match Pinecrest Hotels's price for the same blender model. Our price is $80.00; Pinecrest Hotels lists it at $71.20.\n\nPinecrest Hotels had the blender in stock when Ashok asked. Ashok is a returning customer.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"no_adjustment": "No adjustment needed", "match_price": "Match the competitor's price", "decline_match": "Decline the price match", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "match_price"}}, "_meta": {"id": "hard-v1/ambiguous/development/00008", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00008", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "price_match", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "price_match", "insufficient_key": "not_enough_information", "params": {"ours_cents": 8000, "theirs_cents": 7120, "max_gap_pct": 25, "in_stock": true}, "deciding_present": true, "options_q": {"decision": {"no_adjustment": "no_adjustment", "match_price": "match_price", "decline_match": "decline_match", "not_enough_information": "not_enough_information"}}}, "text_sha256": "f30949761be28cebd4de9ab4803033133db4a0e0fbf9c014808fb24783d7f5c8", "state_tokens": 127}}
{"state": "MEMO\nRe: Shift pay check\n\nA warehouse worker clocked in at 22:00 on March 14, 2026 and clocked out at 04:15 the next day. They took a 60-minute unpaid break. The hourly rate is $31.00.\n\nPaid time beyond 8 hours in a shift is paid at 1.5 times the hourly rate.", "questions": {"pay": {"type": "choice", "instructions": "Shift pay due:", "criteria": {"a": "$244.13", "b": "$178.25", "c": "$162.75", "d": "$193.75", "e": "$248.00"}, "src": "hard_temporal_numeric", "label": "c"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00070", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00070", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "shift", "overtime": false, "facts": {"kind": "shift", "start": "2026-03-14T22:00", "end": "2026-03-15T04:15", "break_min": 60, "rate_cents": 3100, "ot_after_h": 8, "options_q": {"pay": {"a": 24413, "b": 17825, "c": 16275, "d": 19375, "e": 24800}}}, "text_sha256": "59b96e862d01fe1da786f861585c35de097dd6d42b3a70b553b9c6a0e97f44e2", "state_tokens": 91}}
{"state": "MEMO\nRe: Warranty\n\nThe warranty covers manufacturing defects for 36 months from the purchase date. Accidental damage is never covered. Elin Whitfield bought a coffee machine on February 26, 2027. Elin made a warranty claim on January 3, 2028.\n\nThe technician found a faulty heating element from the factory. Elin registered the machine online.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"repair_under_warranty": "Repair under warranty", "not_covered": "Not covered by the warranty", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "repair_under_warranty"}}, "_meta": {"id": "hard-v1/ambiguous/development/00080", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00080", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "warranty", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "warranty", "insufficient_key": "not_enough_information", "params": {"months": 36, "purchase": "2027-02-26", "claim": "2028-01-03", "cause": "defect"}, "deciding_present": true, "options_q": {"decision": {"repair_under_warranty": "repair_under_warranty", "not_covered": "not_covered", "not_enough_information": "not_enough_information"}}}, "text_sha256": "90d14e17a71343c8513a0940cbace86959c3c19c7cc2ea3e5daea2036199e476", "state_tokens": 85}}
{"state": "SPEC SHEET: a CI/CD provider for the platform team\nBuildkite Lite | monthly cost=$1,375 | median build time=29 minutes | parallel jobs=36 jobs | self-hosted runners=yes | SSO login=no\nTessel Build | monthly cost=$2,275 | median build time=25 minutes | parallel jobs=24 jobs | self-hosted runners=no | SSO login=yes\nPipewright | monthly cost=$1,700 | median build time=19 minutes | parallel jobs=26 jobs | self-hosted runners=yes | SSO login=yes\nLoop Deploy | monthly cost=$325 | median build time=13 minutes | parallel jobs=64 jobs | self-hosted runners=yes | SSO login=yes\nRelay CI | monthly cost=$2,425 | median build time=26 minutes | parallel jobs=64 jobs | self-hosted runners=yes | SSO login=yes\nR1: it must offer self-hosted runners\nSelection: Among the options that meet every requirement, choose the one with the highest parallel jobs; if two or more are tied on parallel jobs, choose the one with the lowest median build time.", "questions": {"choice": {"type": "choice", "instructions": "Which provider best satisfies the brief?", "criteria": {"buildkite_lite": null, "loop_deploy": null, "pipewright": null, "tessel_build": null, "relay_ci": null}, "src": "hard_tradeoff", "label": "loop_deploy"}, "meets": {"type": "noul", "instructions": "Does Tessel Build pass the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00082", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00082", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "provider", "none_case": false, "facts": {"rule": "lex", "options": {"Buildkite Lite": {"cost": 1375, "build": 29, "concurrency": 36, "selfhosted": true, "sso": false}, "Tessel Build": {"cost": 2275, "build": 25, "concurrency": 24, "selfhosted": false, "sso": true}, "Pipewright": {"cost": 1700, "build": 19, "concurrency": 26, "selfhosted": true, "sso": true}, "Loop Deploy": {"cost": 325, "build": 13, "concurrency": 64, "selfhosted": true, "sso": true}, "Relay CI": {"cost": 2425, "build": 26, "concurrency": 64, "selfhosted": true, "sso": true}}, "constraints": [{"attr": "selfhosted", "op": "is", "value": true}], "priority": [["concurrency", "higher"], ["build", "lower"]], "weights": {}, "years": null, "check": "Tessel Build", "options_q": {"choice": {"buildkite_lite": "buildkite_lite", "loop_deploy": "loop_deploy", "pipewright": "pipewright", "tessel_build": "tessel_build", "relay_ci": "relay_ci"}}}, "text_sha256": "564a2e86ad88b3bcc02bcf0f3097440358529211d5579c9d14beb0fcadec7b47", "state_tokens": 257}}
{"state": "REVIEW REQUEST\nItem: Posts are placed every 2 metres along a straight 24-metre fence, with a post at both ends. How many posts are needed?\nSubmitted result: Answer: 48 posts", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "12 posts", "b": "48 posts", "c": "49 posts", "d": "14 posts", "e": "13 posts"}, "src": "hard_judge", "label": "e"}}, "_meta": {"id": "hard-v1/judge/development/00020", "source": "hard_judge", "group_id": "hard-v1/judge/development/00020", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "fence", "error": "area_like", "facts": {"kind": "fence", "args": {"length": 24, "gap": 2}, "dp": 0, "proposed": 48, "error": "area_like", "options_q": {"value": {"a": 12, "b": 48, "c": 49, "d": 14, "e": 13}}}, "text_sha256": "9b90a03ef79e577648fdec1d25c2ef382fc1137e73375a8532729d8b0c32d347", "state_tokens": 46}}
{"state": "MEMO\nRe: Invoice payment timing\n\nInvoice 67983 was issued on 2 April 2027. A late fee applies when payment arrives more than 14 days after the invoice date. Payment reached the account on 9 April 2027.", "questions": {"days": {"type": "choice", "instructions": "Number of days from invoice to payment:", "criteria": {"a": "8 days", "b": "9 days", "c": "5 days", "d": "7 days", "e": "6 days"}, "src": "hard_temporal_numeric", "label": "d"}, "late": {"type": "noul", "instructions": "Does the late fee apply?", "src": "hard_temporal_numeric", "label": false}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00095", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00095", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "diff", "facts": {"kind": "diff", "invoice": "2027-04-02", "paid": "2027-04-09", "limit": 14, "options_q": {"days": {"a": 8, "b": 9, "c": 5, "d": 7, "e": 6}}}, "text_sha256": "68a48cddde89fbf988ababae937426ea9402bc88ad958fae71ce06760a3d0670", "state_tokens": 60}}
{"state": "MEMO\nRe: Recurring schedule\n\nRent is collected on day 28 of each month; if that day falls on a Saturday or Sunday, it is collected on the Friday before. June 1, 2026 is a Monday. Question concerns the collection in June 2026.", "questions": {"date": {"type": "choice", "instructions": "Date of the requested occurrence:", "criteria": {"a": "26 June 2026", "b": "29 June 2026", "c": "27 June 2026", "d": "28 June 2026", "e": "25 June 2026"}, "src": "hard_temporal_numeric", "label": "a"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00016", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00016", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "recurring_monthly_rollback", "facts": {"kind": "recurring", "pattern": "monthly_rollback", "year": 2026, "month": 6, "dom": 28, "options_q": {"date": {"a": "2026-06-26", "b": "2026-06-29", "c": "2026-06-27", "d": "2026-06-28", "e": "2026-06-25"}}}, "text_sha256": "56c35fc3658a7b9aaad6d8cd0470093766330e40dea9f0d688f9315d87127d1b", "state_tokens": 64}}
{"state": "SPEC SHEET: a managed database service for the orders system\nWren Cloud SQL | monthly cost=$1,850 | write latency=37 ms | recovery point objective=15 minutes | one-time setup fee=$18,000 | point-in-time recovery=yes | multi-region replicas=yes\nPolar Store | monthly cost=$2,350 | write latency=40 ms | recovery point objective=40 minutes | one-time setup fee=$22,500 | point-in-time recovery=no | multi-region replicas=no\nQuarry SQL | monthly cost=$1,000 | write latency=11 ms | recovery point objective=13 minutes | one-time setup fee=$2,500 | point-in-time recovery=yes | multi-region replicas=no\nR1: it must offer point-in-time recovery\nR2: its write latency must be at most 24 ms\nSelection: Among the options that meet every requirement, choose the lowest total cost over 4 years: the one-time setup fee plus 4 years of the monthly cost.", "questions": {"choice": {"type": "choice", "instructions": "Which service best satisfies the brief?", "criteria": {"polar_store": null, "quarry_sql": null, "wren_cloud_sql": null}, "src": "hard_tradeoff", "label": "quarry_sql"}, "meets": {"type": "noul", "instructions": "Does Quarry SQL meet every hard requirement?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00090", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00090", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "tco", "context": "service", "none_case": false, "facts": {"rule": "tco", "options": {"Wren Cloud SQL": {"cost": 1850, "latency": 37, "rpo": 15, "pitr": true, "multiregion": true, "setup": 18000}, "Polar Store": {"cost": 2350, "latency": 40, "rpo": 40, "pitr": false, "multiregion": false, "setup": 22500}, "Quarry SQL": {"cost": 1000, "latency": 11, "rpo": 13, "pitr": true, "multiregion": false, "setup": 2500}}, "constraints": [{"attr": "pitr", "op": "is", "value": true}, {"attr": "latency", "op": "<=", "value": 24}], "priority": [], "weights": {}, "years": 4, "check": "Quarry SQL", "options_q": {"choice": {"polar_store": "polar_store", "quarry_sql": "quarry_sql", "wren_cloud_sql": "wren_cloud_sql"}}}, "text_sha256": "8a155818ee2539760a896ef7d7bbe97770b6145801cde262c0437fe9c7883f6f", "state_tokens": 226}}
{"state": "GROUP HEALTH CASH PLAN\nIssued by the Benefits Trust\nIn this policy, \"the Plan\" means the Benefits Trust and \"the Member\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Plan, before any deductible, limit or sublimit is applied.\n(2) Dependant means the Member's spouse or partner, or a child under 21 who is enrolled in the plan.\n(3) Family means the Member's spouse or partner and any children who live with the Member.\n(4) Frames means spectacle frames bought without new lenses.\n(5) Hearing accessories means batteries, chargers and cleaning kits.\n(6) Hearing aid replacement period means 36 months from the purchase of hearing aids funded by the plan.\n(7) Limit means the most the Plan will pay for all claims under a section arising from one treatment.\n(8) Major restorative work means crowns, bridges, root canal treatment and implants.\n(9) Massage therapy means sports massage, massage therapy and reflexology.\n(10) Orthodontics means braces and clear aligners.\n(11) Policy period means twelve months from the policy start date shown in the Member's schedule.\n(12) Premium means the amount the Member must pay for this policy, including any taxes.\n(13) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(14) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(15) Registered practitioner means a practitioner registered with the professional body for their discipline.\n(16) Replacement period means 12 months from the date of the Member's last eyewear claim.\n(17) Schedule means the document issued with this policy that shows the Member's details, the covers the Member bought and any extensions.\n(18) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n\n§ 2  Limits and deductible\n(1) Dental Care: limit $2,000 per treatment; deductible $100 per claim.\n(2) Vision Care: limit $400 per treatment; deductible $25 per claim.\n(3) Therapy Services: limit $2,000 per treatment; deductible $50 per claim.\n(4) Hearing Care: limit $2,000 per treatment; deductible $100 per claim.\n(5) The deductible is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Environmental commitment\n(1) Where practical, the Plan will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Member may ask for a new part instead, and the Plan will tell the Member whether any additional cost would apply.\n\n§ 4  Market conditions\n(1) If the replacement item is no longer available, the Plan will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 5  Renewal\n(1) The Plan will write to the Member at least 21 days before the end of the policy period with the renewal terms.\n(2) The Plan is not obliged to offer renewal.\n\n§ 6  Therapy Services\n(1) The Plan will reimburse physiotherapy, osteopathy and counselling provided by a registered practitioner.\n(2) The most the Plan will pay for Massage therapy under this section is $200 per treatment.\n(3) The Plan will not pay for treatment of an injury covered by workers' compensation.\n(4) The Plan will not pay for treatment by a practitioner who is not registered with the relevant professional body.\n\n§ 7  Cooperation\n(1) The Member must give the Plan all the help and information the Plan reasonably need to settle a claim.\n(2) The Member must not admit liability or offer to settle any claim without the Plan's written permission.\n\n§ 8  Dependants\n(1) The Member may enrol dependants at the start of each plan year or within 30 days of a qualifying life event.\n(2) Benefits paid for dependants count towards the same annual limits as the Member's own claims.\n\n§ 9  Subrogation\n(1) The Plan will be entitled to take over and conduct in the Member's name the defence or settlement of any claim.\n(2) The Plan can take action in the Member's name to recover any payment the Plan makes from anyone responsible for the loss.\n\n§ 10  Compensation scheme\n(1) The Plan is covered by a financial services compensation scheme.\n(2) If the Plan cannot meet the Plan's obligations, the Member may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 11  Vision Care\n(1) The Plan will reimburse eye tests and prescription eyewear.\n(2) The most the Plan will pay for Frames under this section is $120 per treatment.\n(3) The Plan will not pay for eyewear without prescription lenses.\n(4) The Plan will not pay for a further eyewear claim within the replacement period.\n\n§ 12  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 13  Customer support\n(1) The Plan's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Member can leave a message and the Plan will call back on the next working day.\n\n§ 14  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 15  Coordination of benefits\n(1) If a treatment is also covered by another plan, the Plan will pay only the part of the cost that the other plan does not pay.\n(2) The Member must tell the Plan about any other plan that covers the Member or the Member's dependants.\n\n§ 16  Leaving the plan\n(1) Cover ends on the day the Member's employment ends or the day the Member stops being eligible, whichever is earlier.\n(2) Claims for treatment received before cover ended may be submitted up to 90 days afterwards.\n\n§ 17  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Plan may adjust the premium from the date of the change.\n\n§ 18  Dental Care\n(1) The Plan will reimburse the cost of dental treatment provided by a licensed dentist.\n(2) No cover applies under this section to any treatment that happens within the first 60 days after the policy start date.\n(3) The most the Plan will pay for Major restorative work under this section is $500 per treatment.\n(4) The most the Plan will pay for Orthodontics under this section is $800 per treatment.\n(5) The Plan will not pay for treatment that is mainly cosmetic, such as whitening or veneers. This exclusion does not apply to treatment needed to repair damage caused by an accident.\n(6) The Plan will not pay for treatment by a provider outside the plan's network. This exclusion does not apply to emergency treatment for sudden severe pain.\n\n§ 19  Wellness allowance\n(1) Each plan year the Member may claim up to $100 towards a gym membership or fitness class.\n(2) The wellness allowance is not subject to any deductible and does not count towards other limits.\n\n§ 20  Exchange of information\n(1) To prevent fraud, the Plan may check the details the Member gives against public records and industry databases.\n(2) The Plan may contact previous insurers to confirm the Member's claims history.\n\n§ 21  Inflation\n(1) The Plan may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Member's renewal documents; limits do not change during a policy period.\n\n§ 22  Optional cover: Hearing Care\n(1) The Plan will reimburse hearing tests and hearing aids.\n(2) This section applies only if it is shown as purchased in the Member's schedule.\n(3) The most the Plan will pay for Hearing accessories under this section is $150 per treatment.\n(4) The Plan will not pay for replacement hearing aids bought within the hearing aid replacement period.\n\n§ 23  Claims documents\n(1) The Member must provide, at the Member's own expense, original receipts, invoices, reports and any other evidence the Plan reasonably ask for.\n(2) The Plan may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 24  Instalment agreements\n(1) If the Member pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 25  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 26  Changes in circumstances\n(1) The Member must tell the Plan as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Plan may then change the premium or the terms of this policy, or cancel it.\n\n§ 27  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 28  Recovery of costs\n(1) If the Plan pays a claim that is later found not to be covered, the Plan may ask the Member to repay the amount.\n\n§ 29  Complaints\n(1) If the Member has a complaint, the Member should first contact the Plan's customer relations team, quoting the policy number.\n(2) The Plan will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Member remains dissatisfied, the Member may be able to refer the complaint to an independent ombudsman service.\n\n§ 30  Change of address\n(1) The Member must tell the Plan within 30 days if the Member changes the Member's address.\n(2) The Plan may change the premium or the terms from the date of the move.\n\n§ 31  Eligibility\n(1) Employees who work at least 20 hours a week are eligible to join the plan from their first day of employment.\n(2) Contractors, agency workers and employees on unpaid leave of more than three months are not eligible.\n\n§ 32  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 33  Notices\n(1) Any notice the Plan gives under this policy will be sent to the most recent postal or email address the Plan holds.\n(2) Notices from the Member should be sent to the address shown in the schedule.\n\n§ 34  Arbitration\n(1) If the Plan accepts a claim but disagree with the Member about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Plan.\n\n§ 35  Appeals\n(1) If the Plan declines all or part of a claim, the Member may appeal in writing within 60 days of the decision.\n(2) An appeal will be reviewed by someone who was not involved in the original decision.\n(3) The Plan will give the Member a written decision on the appeal within 30 days.\n\n§ 36  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 37  Communication\n(1) The Plan will communicate with the Member in English.\n(2) The Plan may record telephone calls for training and quality purposes.\n\n§ 38  Records and evidence\n(1) The Member should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Plan may base any settlement on the price of a comparable item.\n(3) The Plan may ask for evidence of how and when an item was acquired.\n\n§ 39  Interest\n(1) The Plan will not pay interest on any claim payment unless the law requires it.\n\n§ 40  Cancellation\n(1) The Member can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Member can cancel at any time; the Plan will refund the premium for the unexpired period less an administration charge of $30.\n(3) The Plan can cancel this policy by giving the Member 30 days' written notice to the last address the Plan holds.\n\n§ 41  Third-party administrators\n(1) The Plan may appoint another company to handle claims or other services on the Plan's behalf.\n(2) Any company the Plan appoints must follow the terms of this policy and applicable data protection law.\n\n§ 42  Salvage\n(1) When the Plan replaces an item, the damaged or recovered item becomes the Plan's property.\n(2) If stolen property is recovered after the Plan has paid a claim, the Member must tell the Plan and either return the payment or give the Plan the property.\n\n§ 43  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 44  General exclusions\n(1) The Plan will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(2) The Plan will not pay for loss arising from a government order or sanction that prohibits the Plan from paying.\n(3) The Plan will not pay for any deliberate or criminal act by the Member.\n\n§ 45  Waiver\n(1) If the Plan does not enforce any term of this policy, that does not mean the Plan has given up the right to enforce it later.\n\n§ 46  Sanctions\n(1) The Plan will not provide cover or pay any claim to the extent that doing so would expose the Plan to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 47  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Plan will pay only the Plan's proportionate share.\n(2) The Member must tell the Plan about any other insurance that covers the same loss when the Member makes a claim.\n\n§ 48  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Plan will not pay the claim and all cover under this policy may be cancelled.\n(2) The Plan may share information with fraud prevention agencies and other insurers.\n\n§ 49  Making a claim\n(1) The Member must notify the Plan of a claim within 21 days of the treatment. The Plan will not pay any claim notified after that time.\n(2) The Plan may appoint a loss adjuster to investigate any claim.\n(3) The Member must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 50  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 51  Premium payment\n(1) The Member must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 21 days of its due date, the Plan may cancel the policy after giving notice.\n\n§ 52  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 53  Payment of claims\n(1) The Plan will pay claims by bank transfer to an account in the Member's name.\n(2) The Plan aims to pay accepted claims within 10 working days of receiving all the documents the Plan needs.\n\n§ 54  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Plan may charge the premium without the discount from that date.\n\n§ 55  Assignment\n(1) The Member cannot transfer the Member's interest in this policy to anyone else without the Plan's written consent.\n\n§ 56  Data protection\n(1) The Plan will use the personal information the Member provides to administer this policy and to handle claims.\n(2) The Plan will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Member can ask for a copy of the personal information the Plan holds by writing to the Plan's data protection officer.\n\n§ 57  Automatic renewal\n(1) Unless the Member tells the Plan otherwise, this policy will renew automatically at the end of the policy period using the payment details the Plan holds.\n(2) The Member can switch off automatic renewal at any time by contacting the Plan's helpline.\n\n§ 58  Duty of fair presentation\n(1) The Member must answer all questions the Plan asks honestly and to the best of the Member's knowledge.\n(2) If the Member gives incorrect information deliberately or recklessly, the Plan may treat this policy as if it never existed and keep the premium.\n(3) If the Member gives incorrect information carelessly, the Plan may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 59  Electronic documents\n(1) The Plan will send documents by email unless the Member asks for paper copies.\n(2) The Member must tell the Plan if the Member's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 60  Reasonable precautions\n(1) The Member must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Member must take reasonable steps to recover lost or stolen property.\n\n=== CLAIM ===\nClaim summary: Greta Osei; policy D550552; policy start 7 April 2026; schedule covers Dental Care, Vision Care, Therapy Services, Hearing Care; extensions none. Section claimed: Dental Care, for a veneer on a front tooth. Treatment date 29 April 2026; notified 19 May 2026; assessed loss $1,427. Facts: The veneer repaired a front tooth chipped in a cycling accident. The veneer was fitted to improve the appearance of the tooth. Greta submitted receipts through the benefits portal. Greta joined the company's finance team two years ago. Greta's spouse is also enrolled in the plan.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"not_covered": "Decline: Dental Care is not a cover shown in the schedule", "deny_waiting": "Decline: the treatment happened during the waiting period (§ 18(2))", "pay_limit": "Pay up to the Dental Care limit", "deny_cosmetic": "Decline under the cosmetic treatment exclusion (§ 18(5))", "pay_sublimit": "Pay up to the Major restorative work sublimit (§ 18(3))"}, "src": "hard_long_policy", "label": "deny_waiting"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$0", "b": "$2,000", "c": "$1,900", "d": "$400", "e": "$1,327"}, "src": "hard_long_policy", "label": "a"}}, "_meta": {"id": "hard-v1/long_policy/development/00064", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00064", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "benefits", "target": "deny_waiting", "category": "dental", "tempting": "cosmetic", "facts": {"domain": "benefits", "fee_order": "before", "notice_days": 21, "categories": {"dental": {"limit": 2000, "fee": 100, "waiting": 60, "purchased": true}, "vision": {"limit": 400, "fee": 25, "waiting": 0, "purchased": true}, "therapy": {"limit": 2000, "fee": 50, "waiting": 0, "purchased": true}, "hearing": {"limit": 2000, "fee": 100, "waiting": 0, "purchased": true}}, "classes": {"major": {"category": "dental", "cap": 500}, "ortho": {"category": "dental", "cap": 800}, "frames": {"category": "vision", "cap": 120}, "massage": {"category": "therapy", "cap": 200}, "accessories": {"category": "hearing", "cap": 150}}, "exclusions": [{"key": "cosmetic", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "out_of_network", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "non_prescription", "categories": ["vision"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "frequency", "categories": ["vision"], "kind": "threshold", "thr": 12, "cmp": "lt", "has_exception": false}, {"key": "work_injury", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unregistered", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "replacement", "categories": ["hearing"], "kind": "threshold", "thr": 36, "cmp": "lt", "has_exception": false}], "case": {"category": "dental", "item": "the veneer", "item_class": null, "loss_cents": 142700, "start": "2026-04-07", "incident": "2026-04-29", "reported": "2026-05-19", "conditions": {"cosmetic": true}, "values": {}, "exceptions": {"cosmetic": true}}, "options_q": {"outcome": {"not_covered": "not_covered", "deny_waiting": "deny_waiting", "pay_limit": "pay_limit", "deny_cosmetic": "deny_cosmetic", "pay_sublimit": "pay_sublimit"}, "amount": {"a": 0, "b": 200000, "c": 190000, "d": 40000, "e": 132700}}}, "text_sha256": "b4be46a4c08e1ae8665e6bf9d714ceeda9d279dfb817e5863ba53acbb65dbfd4", "state_tokens": 4309}}
{"state": "MEMO\nRe: Outage: reporting-etl\n\nOutages propagate along hard dependencies: if a service goes down, every service that depends on it, directly or through other hard dependencies, is affected. Soft dependencies do not propagate outages. inventory-db depends on pricing-engine. reporting-etl depends on order-queue.\n\nfraud-scorer depends on catalog-api. geo-lookup depends on order-queue. email-relay depends on fraud-scorer.\n\npricing-engine depends on user-profile. user-profile depends on reporting-etl. reporting-etl is currently down.", "questions": {"affected": {"type": "choice", "instructions": "Which of these will the outage reach?", "criteria": {"fraud_scorer": null, "geo_lookup": null, "order_queue": null, "inventory_db": null}, "src": "hard_multi_hop", "label": "inventory_db"}}, "_meta": {"id": "hard-v1/multi_hop/development/00092", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00092", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "deps", "hops": 3, "soft": false, "facts": {"kind": "deps", "edges": [["user-profile", "reporting-etl", false], ["pricing-engine", "user-profile", false], ["inventory-db", "pricing-engine", false], ["reporting-etl", "order-queue", false], ["fraud-scorer", "catalog-api", false], ["geo-lookup", "order-queue", false], ["email-relay", "fraud-scorer", false]], "down": "reporting-etl", "candidates": ["inventory-db", "order-queue", "geo-lookup", "fraud-scorer"], "options_q": {"affected": {"fraud_scorer": "fraud_scorer", "geo_lookup": "geo_lookup", "order_queue": "order_queue", "inventory_db": "inventory_db"}}}, "text_sha256": "7cf6604aa4701e56a295f97d45194b44badbafd410ee23f17d1764a8b2a345e5", "state_tokens": 119}}
{"state": "REVIEW REQUEST\nItem: A shop bought 41 units at $6.37 each and later 43 units at $9.83 each. What is the average cost per unit across all units bought, to the nearest cent?\nSubmitted result: $8.14", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "$8.14", "b": "$341.93", "c": "$8.15", "d": "$8.06", "e": "$8.10"}, "src": "hard_judge", "label": "a"}}, "_meta": {"id": "hard-v1/judge/development/00034", "source": "hard_judge", "group_id": "hard-v1/judge/development/00034", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "wavg", "error": null, "facts": {"kind": "wavg", "args": {"n1": 41, "p1": "637/100", "n2": 43, "p2": "983/100"}, "dp": 2, "proposed": 814, "error": null, "options_q": {"value": {"a": 814, "b": 34193, "c": 815, "d": 806, "e": 810}}}, "text_sha256": "c5aa45a7f3f6b66416edcffea6eebc61c2fc204db55633dd905aedf0285296e0", "state_tokens": 60}}
{"state": "STAFF HEALTH REIMBURSEMENT PLAN RULES\nIssued by Wellspring Benefits Administration\nIn this policy, \"the Plan\" means Wellspring Benefits Administration and \"the Member\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Plan, before any deductible, limit or sublimit is applied.\n(2) Business day means Monday to Friday, excluding public holidays.\n(3) Dependant means the Member's spouse or partner, or a child under 21 who is enrolled in the plan.\n(4) Family means the Member's spouse or partner and any children who live with the Member.\n(5) Frames means spectacle frames bought without new lenses.\n(6) Hearing accessories means batteries, chargers and cleaning kits.\n(7) Hearing aid replacement period means 36 months from the purchase of hearing aids funded by the plan.\n(8) Incident means a single event, or a series of events arising from one cause.\n(9) Limit means the most the Plan will pay for all claims under a section arising from one treatment.\n(10) Major restorative work means crowns, bridges, root canal treatment and implants.\n(11) Massage therapy means sports massage, massage therapy and reflexology.\n(12) Network provider means a practitioner or clinic that has an agreement with the Plan to provide treatment.\n(13) Orthodontics means braces and clear aligners.\n(14) Plan year means the twelve months starting on the Member's coverage start date.\n(15) Policy period means twelve months from the policy start date shown in the Member's schedule.\n(16) Premium means the amount the Member must pay for this policy, including any taxes.\n(17) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(18) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(19) Registered practitioner means a practitioner registered with the professional body for their discipline.\n(20) Replacement period means 24 months from the date of the Member's last eyewear claim.\n(21) Schedule means the document issued with this policy that shows the Member's details, the covers the Member bought and any extensions.\n\n§ 2  Limits and deductible\n(1) Dental Care: limit $2,000 per treatment; deductible $100 per claim.\n(2) Vision Care: limit $500 per treatment; deductible $25 per claim.\n(3) Therapy Services: limit $1,000 per treatment; deductible $75 per claim.\n(4) Hearing Care: limit $1,000 per treatment; deductible $100 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the deductible is then deducted from the result.\n\n§ 3  Payment of claims\n(1) The Plan will pay claims by bank transfer to an account in the Member's name.\n(2) The Plan aims to pay accepted claims within 15 working days of receiving all the documents the Plan needs.\n\n§ 4  Change of address\n(1) The Member must tell the Plan within 30 days if the Member changes the Member's address.\n(2) The Plan may change the premium or the terms from the date of the move.\n\n§ 5  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Plan will pay only the Plan's proportionate share.\n(2) The Member must tell the Plan about any other insurance that covers the same loss when the Member makes a claim.\n\n§ 6  Assignment\n(1) The Member cannot transfer the Member's interest in this policy to anyone else without the Plan's written consent.\n\n§ 7  Coordination of benefits\n(1) If a treatment is also covered by another plan, the Plan will pay only the part of the cost that the other plan does not pay.\n(2) The Member must tell the Plan about any other plan that covers the Member or the Member's dependants.\n\n§ 8  Market conditions\n(1) If the replacement item is no longer available, the Plan will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 9  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 10  Dental Care\n(1) The Plan will reimburse the cost of dental treatment provided by a licensed dentist.\n(2) No cover applies under this section to any treatment that happens within the first 60 days after the policy start date.\n(3) The most the Plan will pay for Major restorative work under this section is $500 per treatment.\n(4) The most the Plan will pay for Orthodontics under this section is $600 per treatment.\n(5) The Plan will not pay for treatment that is mainly cosmetic, such as whitening or veneers. This exclusion does not apply to treatment needed to repair damage caused by an accident.\n(6) The Plan will not pay for treatment by a provider outside the plan's network. This exclusion does not apply to emergency treatment for sudden severe pain.\n\n§ 11  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 12  Dependants\n(1) The Member may enrol dependants at the start of each plan year or within 30 days of a qualifying life event.\n(2) Benefits paid for dependants count towards the same annual limits as the Member's own claims.\n\n§ 13  Salvage\n(1) When the Plan replaces an item, the damaged or recovered item becomes the Plan's property.\n(2) If stolen property is recovered after the Plan has paid a claim, the Member must tell the Plan and either return the payment or give the Plan the property.\n\n§ 14  Vision Care\n(1) The Plan will reimburse eye tests and prescription eyewear.\n(2) The most the Plan will pay for Frames under this section is $150 per treatment.\n(3) The Plan will not pay for eyewear without prescription lenses.\n(4) The Plan will not pay for a further eyewear claim within the replacement period.\n\n§ 15  Therapy Services\n(1) The Plan will reimburse physiotherapy, osteopathy and counselling provided by a registered practitioner.\n(2) The most the Plan will pay for Massage therapy under this section is $300 per treatment.\n(3) The Plan will not pay for treatment of an injury covered by workers' compensation.\n(4) The Plan will not pay for treatment by a practitioner who is not registered with the relevant professional body.\n\n§ 16  Third-party administrators\n(1) The Plan may appoint another company to handle claims or other services on the Plan's behalf.\n(2) Any company the Plan appoints must follow the terms of this policy and applicable data protection law.\n\n§ 17  Data protection\n(1) The Plan will use the personal information the Member provides to administer this policy and to handle claims.\n(2) The Plan will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Member can ask for a copy of the personal information the Plan holds by writing to the Plan's data protection officer.\n\n§ 18  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Plan may charge the premium without the discount from that date.\n\n§ 19  Notices\n(1) Any notice the Plan gives under this policy will be sent to the most recent postal or email address the Plan holds.\n(2) Notices from the Member should be sent to the address shown in the schedule.\n\n§ 20  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 21  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 22  Renewal\n(1) The Plan will write to the Member at least 21 days before the end of the policy period with the renewal terms.\n(2) The Plan is not obliged to offer renewal.\n\n§ 23  Electronic documents\n(1) The Plan will send documents by email unless the Member asks for paper copies.\n(2) The Member must tell the Plan if the Member's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 24  Environmental commitment\n(1) Where practical, the Plan will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Member may ask for a new part instead, and the Plan will tell the Member whether any additional cost would apply.\n\n§ 25  Optional cover: Hearing Care\n(1) The Plan will reimburse hearing tests and hearing aids.\n(2) This section applies only if it is shown as purchased in the Member's schedule.\n(3) The most the Plan will pay for Hearing accessories under this section is $150 per treatment.\n(4) The Plan will not pay for replacement hearing aids bought within the hearing aid replacement period.\n\n§ 26  Automatic renewal\n(1) Unless the Member tells the Plan otherwise, this policy will renew automatically at the end of the policy period using the payment details the Plan holds.\n(2) The Member can switch off automatic renewal at any time by contacting the Plan's helpline.\n\n§ 27  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 28  Appeals\n(1) If the Plan declines all or part of a claim, the Member may appeal in writing within 60 days of the decision.\n(2) An appeal will be reviewed by someone who was not involved in the original decision.\n(3) The Plan will give the Member a written decision on the appeal within 30 days.\n\n§ 29  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Plan may adjust the premium from the date of the change.\n\n§ 30  Compensation scheme\n(1) The Plan is covered by a financial services compensation scheme.\n(2) If the Plan cannot meet the Plan's obligations, the Member may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 31  Arbitration\n(1) If the Plan accepts a claim but disagree with the Member about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Plan.\n\n§ 32  Waiver\n(1) If the Plan does not enforce any term of this policy, that does not mean the Plan has given up the right to enforce it later.\n\n§ 33  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Plan will not pay the claim and all cover under this policy may be cancelled.\n(2) The Plan may share information with fraud prevention agencies and other insurers.\n\n§ 34  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 35  Eligibility\n(1) Employees who work at least 20 hours a week are eligible to join the plan from their first day of employment.\n(2) Contractors, agency workers and employees on unpaid leave of more than three months are not eligible.\n\n§ 36  Subrogation\n(1) The Plan will be entitled to take over and conduct in the Member's name the defence or settlement of any claim.\n(2) The Plan can take action in the Member's name to recover any payment the Plan makes from anyone responsible for the loss.\n\n§ 37  Premium payment\n(1) The Member must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Plan may cancel the policy after giving notice.\n\n§ 38  Customer support\n(1) The Plan's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Member can leave a message and the Plan will call back on the next working day.\n\n§ 39  Cancellation\n(1) The Member can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Member can cancel at any time; the Plan will refund the premium for the unexpired period less an administration charge of $15.\n(3) The Plan can cancel this policy by giving the Member 30 days' written notice to the last address the Plan holds.\n\n§ 40  Recovery of costs\n(1) If the Plan pays a claim that is later found not to be covered, the Plan may ask the Member to repay the amount.\n\n§ 41  Reasonable precautions\n(1) The Member must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Member must take reasonable steps to recover lost or stolen property.\n\n§ 42  Complaints\n(1) If the Member has a complaint, the Member should first contact the Plan's customer relations team, quoting the policy number.\n(2) The Plan will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Member remains dissatisfied, the Member may be able to refer the complaint to an independent ombudsman service.\n\n§ 43  Inflation\n(1) The Plan may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Member's renewal documents; limits do not change during a policy period.\n\n§ 44  Exchange of information\n(1) To prevent fraud, the Plan may check the details the Member gives against public records and industry databases.\n(2) The Plan may contact previous insurers to confirm the Member's claims history.\n\n§ 45  Sanctions\n(1) The Plan will not provide cover or pay any claim to the extent that doing so would expose the Plan to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 46  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 47  Claims documents\n(1) The Member must provide, at the Member's own expense, original receipts, invoices, reports and any other evidence the Plan reasonably ask for.\n(2) The Plan may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 48  Duty of fair presentation\n(1) The Member must answer all questions the Plan asks honestly and to the best of the Member's knowledge.\n(2) If the Member gives incorrect information deliberately or recklessly, the Plan may treat this policy as if it never existed and keep the premium.\n(3) If the Member gives incorrect information carelessly, the Plan may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 49  Records and evidence\n(1) The Member should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Plan may base any settlement on the price of a comparable item.\n(3) The Plan may ask for evidence of how and when an item was acquired.\n\n§ 50  Instalment agreements\n(1) If the Member pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 51  Cooperation\n(1) The Member must give the Plan all the help and information the Plan reasonably need to settle a claim.\n(2) The Member must not admit liability or offer to settle any claim without the Plan's written permission.\n\n§ 52  General exclusions\n(1) The Plan will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(2) The Plan will not pay for any deliberate or criminal act by the Member.\n(3) The Plan will not pay for loss or damage caused by war, invasion, or civil war.\n\n§ 53  Leaving the plan\n(1) Cover ends on the day the Member's employment ends or the day the Member stops being eligible, whichever is earlier.\n(2) Claims for treatment received before cover ended may be submitted up to 90 days afterwards.\n\n§ 54  Changes in circumstances\n(1) The Member must tell the Plan as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Plan may then change the premium or the terms of this policy, or cancel it.\n\n§ 55  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 56  Interest\n(1) The Plan will not pay interest on any claim payment unless the law requires it.\n\n§ 57  Communication\n(1) The Plan will communicate with the Member in English.\n(2) The Plan may record telephone calls for training and quality purposes.\n\n§ 58  Wellness allowance\n(1) Each plan year the Member may claim up to $100 towards a gym membership or fitness class.\n(2) The wellness allowance is not subject to any deductible and does not count towards other limits.\n\n§ 59  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 60  Making a claim\n(1) The Member must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Plan may appoint a loss adjuster to investigate any claim.\n(3) The Member must notify the Plan of a claim within 30 days of the treatment. The Plan will not pay any claim notified after that time.\n\n=== CLAIM ===\nClaim summary: Bram Gallagher; policy T995888; policy start 23 April 2025; schedule covers Dental Care, Vision Care, Therapy Services, Hearing Care; extensions none. Section claimed: Hearing Care, for hearing aid batteries and a charger. Treatment date 3 February 2026; notified 22 March 2026; assessed loss $254. Facts: Bram's previous plan-funded hearing aids were bought 46 months before this claim. An audiologist recommended the purchase after a hearing test. The provider issued an itemised invoice. Bram joined the company's finance team two years ago. Bram's spouse is also enrolled in the plan.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"not_covered": "Decline: Hearing Care is not a cover shown in the schedule", "deny_replacement": "Decline under the early replacement exclusion (§ 25(4))", "pay_sublimit": "Pay up to the Hearing accessories sublimit (§ 25(3))", "deny_late": "Decline: the claim was notified too late (§ 60(3))", "deny_waiting": "Decline: the treatment happened during the waiting period (§ 10(2))"}, "src": "hard_long_policy", "label": "deny_late"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$0", "b": "$154", "c": "$254", "d": "$50", "e": "$150"}, "src": "hard_long_policy", "label": "a"}}, "_meta": {"id": "hard-v1/long_policy/development/00074", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00074", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "benefits", "target": "deny_late", "category": "hearing", "tempting": null, "facts": {"domain": "benefits", "fee_order": "after", "notice_days": 30, "categories": {"dental": {"limit": 2000, "fee": 100, "waiting": 60, "purchased": true}, "vision": {"limit": 500, "fee": 25, "waiting": 0, "purchased": true}, "therapy": {"limit": 1000, "fee": 75, "waiting": 0, "purchased": true}, "hearing": {"limit": 1000, "fee": 100, "waiting": 0, "purchased": true}}, "classes": {"major": {"category": "dental", "cap": 500}, "ortho": {"category": "dental", "cap": 600}, "frames": {"category": "vision", "cap": 150}, "massage": {"category": "therapy", "cap": 300}, "accessories": {"category": "hearing", "cap": 150}}, "exclusions": [{"key": "cosmetic", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "out_of_network", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "non_prescription", "categories": ["vision"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "frequency", "categories": ["vision"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}, {"key": "work_injury", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unregistered", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "replacement", "categories": ["hearing"], "kind": "threshold", "thr": 36, "cmp": "lt", "has_exception": false}], "case": {"category": "hearing", "item": "the batteries and charger", "item_class": "accessories", "loss_cents": 25400, "start": "2025-04-23", "incident": "2026-02-03", "reported": "2026-03-22", "conditions": {}, "values": {"replacement": 46}, "exceptions": {}}, "options_q": {"outcome": {"not_covered": "not_covered", "deny_replacement": "deny_replacement", "pay_sublimit": "pay_sublimit", "deny_late": "deny_late", "deny_waiting": "deny_waiting"}, "amount": {"a": 0, "b": 15400, "c": 25400, "d": 5000, "e": 15000}}}, "text_sha256": "5f2596784dda9925dd2299a626d7b79e7d81df48f33977417818f790c46b933d", "state_tokens": 4369}}
{"state": "ANNUAL MULTI-TRIP TRAVEL COVER\nIssued by Meridian Travel Insurance Ltd\nIn this policy, \"the Insurer\" means Meridian Travel Insurance Ltd and \"the Insured Person\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Business day means Monday to Friday, excluding public holidays.\n(2) Dental treatment means treatment of the teeth or gums.\n(3) Excursions and tickets means pre-booked excursions, tours, and event or theatre tickets.\n(4) Family means the Insured Person's spouse or partner and any children who live with the Insured Person.\n(5) Hazardous activity means skydiving, motor racing, or trekking or climbing above 4,000 metres.\n(6) Incident means a single event, or a series of events arising from one cause.\n(7) Physiotherapy means treatment of muscles and joints by a physiotherapist.\n(8) Policy period means twelve months from the policy start date shown in the Insured Person's schedule.\n(9) Pre-existing condition means any illness or injury for which the Insured Person received treatment or advice in the 3 months before the policy start date.\n(10) Premium means the amount the Insured Person must pay for this policy, including any taxes.\n(11) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(12) Qualifying delay means a delay to the scheduled departure of more than 6 hours.\n(13) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(14) Sports equipment means skis, snowboards, golf clubs, surfboards and bicycles.\n(15) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(16) Territory means the countries in which cover applies, as shown in the schedule.\n(17) Travelling companion means a person who has booked to travel with the Insured Person on the same trip.\n(18) Trip means a journey that starts and ends in the Insured Person's home country during the policy period.\n(19) Valuables means laptops, tablets, mobile phones, cameras, watches and jewellery.\n\n§ 2  Limits and excess\n(1) Baggage and Personal Belongings: limit $2,000 per incident; excess $50 per claim.\n(2) Emergency Medical Expenses: limit $10,000 per incident; excess $150 per claim.\n(3) Trip Cancellation: limit $3,000 per incident; excess $100 per claim.\n(4) Travel Delay: limit $300 per incident; excess $25 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the excess is then deducted from the result.\n\n§ 3  Optional cover: Travel Delay\n(1) The Insurer will pay reasonable costs of meals and accommodation if the Insured Person's outbound departure is delayed.\n(2) This section applies only if it is shown as purchased in the Insured Person's schedule.\n(3) The Insurer will not pay for any delay that is not a qualifying delay.\n\n§ 4  Baggage and Personal Belongings\n(1) The Insurer will pay for the loss of, theft of, or damage to the Insured Person's baggage and personal belongings during the trip.\n(2) The most the Insurer will pay for Valuables under this section is $500 per incident.\n(3) The most the Insurer will pay for Sports equipment under this section is $450 per incident.\n(4) The Insurer will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Insurer will not pay for loss caused by confiscation or detention by customs or other officials.\n(6) The Insurer will not pay for damage caused by wear and tear or gradual deterioration.\n\n§ 5  Trip Cancellation\n(1) The Insurer will pay non-refundable travel and accommodation costs if the Insured Person must cancel the trip for a reason beyond the Insured Person's control.\n(2) No cover applies under this section to any incident that happens within the first 10 days after the policy start date.\n(3) The most the Insurer will pay for Excursions and tickets under this section is $300 per incident.\n(4) The Insurer will not pay for cancellation caused by a strike or other event that had been publicly announced before the Insured Person bought the policy.\n(5) The Insurer will not pay for cancellation because the Insured Person no longer wish to travel.\n\n§ 6  Emergency Medical Expenses\n(1) The Insurer will pay reasonable and necessary emergency medical costs incurred during the trip.\n(2) The most the Insurer will pay for Dental treatment under this section is $250 per incident.\n(3) The most the Insurer will pay for Physiotherapy under this section is $500 per incident.\n(4) The Insurer will not pay for treatment of a pre-existing condition.\n(5) The Insurer will not pay for injury or illness arising from a hazardous activity. This exclusion does not apply if the Adventure Sports extension is shown in the Insured Person's schedule.\n(6) The Insurer will not pay for any claim arising from the Insured Person's being under the influence of alcohol or drugs.\n\n§ 7  General exclusions\n(1) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n(2) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(3) The Insurer will not pay for any deliberate or criminal act by the Insured Person.\n(4) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n(5) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n\n§ 8  Making a claim\n(1) The Insured Person must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Insurer may appoint a loss adjuster to investigate any claim.\n(3) The Insured Person must notify the Insurer of a claim within 14 days of the incident. The Insurer will not pay any claim notified after that time.\n\n§ 9  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Insurer will pay only the Insurer's proportionate share.\n(2) The Insured Person must tell the Insurer about any other insurance that covers the same loss when the Insured Person makes a claim.\n\n§ 10  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 11  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 12  Reasonable precautions\n(1) The Insured Person must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Insured Person must take reasonable steps to recover lost or stolen property.\n\n§ 13  Automatic renewal\n(1) Unless the Insured Person tells the Insurer otherwise, this policy will renew automatically at the end of the policy period using the payment details the Insurer holds.\n(2) The Insured Person can switch off automatic renewal at any time by contacting the Insurer's helpline.\n\n§ 14  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 15  Records and evidence\n(1) The Insured Person should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 16  Renewal\n(1) The Insurer will write to the Insured Person at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 17  Communication\n(1) The Insurer will communicate with the Insured Person in English.\n(2) The Insurer may record telephone calls for training and quality purposes.\n\n§ 18  Subrogation\n(1) The Insurer will be entitled to take over and conduct in the Insured Person's name the defence or settlement of any claim.\n(2) The Insurer can take action in the Insured Person's name to recover any payment the Insurer makes from anyone responsible for the loss.\n\n§ 19  Market conditions\n(1) If the replacement item is no longer available, the Insurer will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 20  Cooperation\n(1) The Insured Person must give the Insurer all the help and information the Insurer reasonably need to settle a claim.\n(2) The Insured Person must not admit liability or offer to settle any claim without the Insurer's written permission.\n\n§ 21  Claims documents\n(1) The Insured Person must provide, at the Insured Person's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 22  Data protection\n(1) The Insurer will use the personal information the Insured Person provides to administer this policy and to handle claims.\n(2) The Insurer will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Insured Person can ask for a copy of the personal information the Insurer holds by writing to the Insurer's data protection officer.\n\n§ 23  Cancellation\n(1) The Insured Person can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Insured Person can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $30.\n(3) The Insurer can cancel this policy by giving the Insured Person 30 days' written notice to the last address the Insurer holds.\n\n§ 24  Complaints\n(1) If the Insured Person has a complaint, the Insured Person should first contact the Insurer's customer relations team, quoting the policy number.\n(2) The Insurer will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Insured Person remains dissatisfied, the Insured Person may be able to refer the complaint to an independent ombudsman service.\n\n§ 25  Premium payment\n(1) The Insured Person must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Insurer may cancel the policy after giving notice.\n\n§ 26  Rental car excess\n(1) If the Insured Person hires a car during the trip, the Insurer will reimburse any excess the Insured Person must pay to the hire company after accidental damage to the car.\n(2) This section applies only to cars hired from a licensed rental company under a written agreement.\n\n§ 27  Duty of fair presentation\n(1) The Insured Person must answer all questions the Insurer asks honestly and to the best of the Insured Person's knowledge.\n(2) If the Insured Person gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Insured Person gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 28  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 29  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 30  Electronic documents\n(1) The Insurer will send documents by email unless the Insured Person asks for paper copies.\n(2) The Insured Person must tell the Insurer if the Insured Person's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 31  Emergency assistance\n(1) The Insurer's emergency assistance service is available 24 hours a day on the number shown in the schedule.\n(2) The Insured Person must contact the assistance service before being admitted to hospital as an in-patient, unless it is an emergency.\n(3) The assistance service can arrange payment guarantees, interpreters and transport home.\n\n§ 32  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Insured Person should be sent to the address shown in the schedule.\n\n§ 33  Compensation scheme\n(1) The Insurer is covered by a financial services compensation scheme.\n(2) If the Insurer cannot meet the Insurer's obligations, the Insured Person may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 34  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 35  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 36  Third-party administrators\n(1) The Insurer may appoint another company to handle claims or other services on the Insurer's behalf.\n(2) Any company the Insurer appoints must follow the terms of this policy and applicable data protection law.\n\n§ 37  Personal liability\n(1) The Insurer will pay damages the Insured Person becomes legally liable to pay for accidental injury to another person or accidental damage to their property during the trip.\n(2) This section does not cover liability arising from the use of motor vehicles, boats or aircraft.\n(3) The most the Insurer will pay under this section is $2,000,000 for all claims arising from one event.\n\n§ 38  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 39  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Insured Person gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Insured Person's claims history.\n\n§ 40  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 41  Change of address\n(1) The Insured Person must tell the Insurer within 30 days if the Insured Person changes the Insured Person's address.\n(2) The Insurer may change the premium or the terms from the date of the move.\n\n§ 42  Interest\n(1) The Insurer will not pay interest on any claim payment unless the law requires it.\n\n§ 43  Environmental commitment\n(1) Where practical, the Insurer will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Insured Person may ask for a new part instead, and the Insurer will tell the Insured Person whether any additional cost would apply.\n\n=== CLAIM ===\nClaim summary: Yusuf Nguyen; policy T365290; policy start 23 June 2025; schedule covers Baggage and Personal Belongings, Emergency Medical Expenses, Trip Cancellation, Travel Delay; extensions none. Section claimed: Trip Cancellation, for a non-refundable guided tour package. Incident date 13 September 2025; notified 23 September 2025; assessed loss $3,658. Facts: Yusuf decided not to travel after finding a cheaper holiday elsewhere. The return flight was scheduled for the following week.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"not_covered": "Decline: Trip Cancellation is not a cover shown in the schedule", "deny_waiting": "Decline: the incident happened during the waiting period (§ 5(2))", "deny_known_event": "Decline under the known events exclusion (§ 5(4))", "deny_change_of_mind": "Decline under the disinclination to travel exclusion (§ 5(5))", "deny_late": "Decline: the claim was notified too late (§ 8(3))"}, "src": "hard_long_policy", "label": "deny_change_of_mind"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$3,658", "b": "$3,000", "c": "$200", "d": "$3,558", "e": "$0"}, "src": "hard_long_policy", "label": "e"}}, "_meta": {"id": "hard-v1/long_policy/development/00071", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00071", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "travel", "target": "deny_exclusion", "category": "cancellation", "tempting": null, "facts": {"domain": "travel", "fee_order": "after", "notice_days": 14, "categories": {"baggage": {"limit": 2000, "fee": 50, "waiting": 0, "purchased": true}, "medical": {"limit": 10000, "fee": 150, "waiting": 0, "purchased": true}, "cancellation": {"limit": 3000, "fee": 100, "waiting": 10, "purchased": true}, "delay": {"limit": 300, "fee": 25, "waiting": 0, "purchased": true}}, "classes": {"valuables": {"category": "baggage", "cap": 500}, "sports": {"category": "baggage", "cap": 450}, "dental": {"category": "medical", "cap": 250}, "physio": {"category": "medical", "cap": 500}, "excursions": {"category": "cancellation", "cap": 300}}, "exclusions": [{"key": "unattended", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "confiscation", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pre_existing", "categories": ["medical"], "kind": "threshold", "thr": 3, "cmp": "le", "has_exception": false}, {"key": "hazardous", "categories": ["medical"], "kind": "threshold", "thr": 4000, "cmp": "gt", "has_exception": true}, {"key": "intoxication", "categories": ["medical"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "known_event", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "change_of_mind", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "short_delay", "categories": ["delay"], "kind": "threshold", "thr": 6, "cmp": "le", "has_exception": false}], "case": {"category": "cancellation", "item": "the tour package", "item_class": null, "loss_cents": 365800, "start": "2025-06-23", "incident": "2025-09-13", "reported": "2025-09-23", "conditions": {"change_of_mind": true}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"not_covered": "not_covered", "deny_waiting": "deny_waiting", "deny_known_event": "deny_known_event", "deny_change_of_mind": "deny_change_of_mind", "deny_late": "deny_late"}, "amount": {"a": 365800, "b": 300000, "c": 20000, "d": 355800, "e": 0}}}, "text_sha256": "c8b9ea92052f4ffc1399dded8e1202873f70ccb01594be590b87bd774fd8b008", "state_tokens": 3797}}
{"state": "SPEC SHEET: a freight carrier for the Rotterdam to Milan lane\nPortway | price per shipment=$2,650 | transit time=10 days | damage rate=2.15% | scalability score=3/10 | reliability score=3/10 | documentation score=4/10 | temperature-controlled trailers=yes | live GPS tracking=yes\nVireo Transport | price per shipment=$2,725 | transit time=3 days | damage rate=2.70% | scalability score=9/10 | reliability score=7/10 | documentation score=6/10 | temperature-controlled trailers=yes | live GPS tracking=no\nAlpfreight | price per shipment=$3,275 | transit time=3 days | damage rate=1.85% | scalability score=8/10 | reliability score=4/10 | documentation score=10/10 | temperature-controlled trailers=yes | live GPS tracking=yes\nKestrel Haulage | price per shipment=$1,275 | transit time=4 days | damage rate=2.35% | scalability score=5/10 | reliability score=10/10 | documentation score=4/10 | temperature-controlled trailers=no | live GPS tracking=yes\nR1: its price per shipment must be at most $3,000\nR2: it must offer live GPS tracking\nSelection: Each option has been scored from 1 to 10 on scalability, reliability and documentation (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 70% scalability, 20% reliability, 10% documentation.", "questions": {"choice": {"type": "choice", "instructions": "Which carrier best satisfies the brief?", "criteria": {"kestrel_haulage": null, "alpfreight": null, "vireo_transport": null, "none_qualifies": "None of the options meets every requirement", "portway": null}, "src": "hard_tradeoff", "label": "kestrel_haulage"}, "meets": {"type": "noul", "instructions": "Is Alpfreight compliant with all the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00010", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00010", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "carrier", "none_case": false, "facts": {"rule": "weighted", "options": {"Portway": {"cost": 2650, "transit": 10, "damage": 215, "reefer": true, "tracking": true, "scalability": 3, "reliability": 3, "documentation": 4}, "Vireo Transport": {"cost": 2725, "transit": 3, "damage": 270, "reefer": true, "tracking": false, "scalability": 9, "reliability": 7, "documentation": 6}, "Alpfreight": {"cost": 3275, "transit": 3, "damage": 185, "reefer": true, "tracking": true, "scalability": 8, "reliability": 4, "documentation": 10}, "Kestrel Haulage": {"cost": 1275, "transit": 4, "damage": 235, "reefer": false, "tracking": true, "scalability": 5, "reliability": 10, "documentation": 4}}, "constraints": [{"attr": "cost", "op": "<=", "value": 3000}, {"attr": "tracking", "op": "is", "value": true}], "priority": [], "weights": {"scalability": 70, "reliability": 20, "documentation": 10}, "years": null, "check": "Alpfreight", "options_q": {"choice": {"kestrel_haulage": "kestrel_haulage", "alpfreight": "alpfreight", "vireo_transport": "vireo_transport", "none_qualifies": "none_qualifies", "portway": "portway"}}}, "text_sha256": "4c1b47d2178a73156598ad844f9d6855dd9d242c481d83bb17965f91b5e79d5f", "state_tokens": 360}}
{"state": "MEMO\nRe: Meeting across time zones\n\nA call is scheduled for Monday, November 23, 1:00 PM Sao Paulo time. On that date Sao Paulo is on UTC-3 and New York is on UTC-4. One attendee is in New York.", "questions": {"local": {"type": "choice", "instructions": "Local start time in New York:", "criteria": {"a": "Monday, November 23, 12:00 PM", "b": "Monday, November 23, 2:00 PM", "c": "Monday, November 23, 1:00 PM", "d": "Monday, November 23, 11:00 AM", "e": "Tuesday, November 24, 12:00 PM"}, "src": "hard_temporal_numeric", "label": "a"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00073", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00073", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "tz", "facts": {"kind": "tz", "start": "2026-11-23T13:00", "off_a": -3, "off_b": -4, "options_q": {"local": {"a": "2026-11-23T12:00", "b": "2026-11-23T14:00", "c": "2026-11-23T13:00", "d": "2026-11-23T11:00", "e": "2026-11-24T12:00"}}}, "text_sha256": "32b4aada82182c9549174dfc9fdf95bae1b93894ee3c9cb10bc95e2b1f970d43", "state_tokens": 58}}
{"state": "EMPLOYEE HEALTH BENEFITS PLAN: SUMMARY PLAN DESCRIPTION\nIssued by Wellspring Benefits Administration\nIn this policy, \"the Plan\" means Wellspring Benefits Administration and \"the Member\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Business day means Monday to Friday, excluding public holidays.\n(2) Frames means spectacle frames bought without new lenses.\n(3) Hearing accessories means batteries, chargers and cleaning kits.\n(4) Hearing aid replacement period means 36 months from the purchase of hearing aids funded by the plan.\n(5) Incident means a single event, or a series of events arising from one cause.\n(6) Limit means the most the Plan will pay for all claims under a section arising from one treatment.\n(7) Major restorative work means crowns, bridges, root canal treatment and implants.\n(8) Massage therapy means sports massage, massage therapy and reflexology.\n(9) Network provider means a practitioner or clinic that has an agreement with the Plan to provide treatment.\n(10) Orthodontics means braces and clear aligners.\n(11) Policy period means twelve months from the policy start date shown in the Member's schedule.\n(12) Premium means the amount the Member must pay for this policy, including any taxes.\n(13) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(14) Registered practitioner means a practitioner registered with the professional body for their discipline.\n(15) Replacement period means 24 months from the date of the Member's last eyewear claim.\n(16) Schedule means the document issued with this policy that shows the Member's details, the covers the Member bought and any extensions.\n\n§ 2  Limits and deductible\n(1) Dental Care: limit $1,500 per treatment; deductible $50 per claim.\n(2) Vision Care: limit $300 per treatment; deductible $40 per claim.\n(3) Therapy Services: limit $1,500 per treatment; deductible $75 per claim.\n(4) Hearing Care: limit $2,000 per treatment; deductible $150 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the deductible is then deducted from the result.\n\n§ 3  Optional cover: Hearing Care\n(1) The Plan will reimburse hearing tests and hearing aids.\n(2) This section applies only if it is shown as purchased in the Member's schedule.\n(3) The most the Plan will pay for Hearing accessories under this section is $150 per treatment.\n(4) The Plan will not pay for replacement hearing aids bought within the hearing aid replacement period.\n\n§ 4  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 5  Dental Care\n(1) The Plan will reimburse the cost of dental treatment provided by a licensed dentist.\n(2) No cover applies under this section to any treatment that happens within the first 90 days after the policy start date.\n(3) The most the Plan will pay for Major restorative work under this section is $750 per treatment.\n(4) The most the Plan will pay for Orthodontics under this section is $600 per treatment.\n(5) The Plan will not pay for treatment that is mainly cosmetic, such as whitening or veneers. This exclusion does not apply to treatment needed to repair damage caused by an accident.\n(6) The Plan will not pay for treatment by a provider outside the plan's network. This exclusion does not apply to emergency treatment for sudden severe pain.\n\n§ 6  Sanctions\n(1) The Plan will not provide cover or pay any claim to the extent that doing so would expose the Plan to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 7  Complaints\n(1) If the Member has a complaint, the Member should first contact the Plan's customer relations team, quoting the policy number.\n(2) The Plan will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Member remains dissatisfied, the Member may be able to refer the complaint to an independent ombudsman service.\n\n§ 8  Subrogation\n(1) The Plan will be entitled to take over and conduct in the Member's name the defence or settlement of any claim.\n(2) The Plan can take action in the Member's name to recover any payment the Plan makes from anyone responsible for the loss.\n\n§ 9  Vision Care\n(1) The Plan will reimburse eye tests and prescription eyewear.\n(2) The most the Plan will pay for Frames under this section is $120 per treatment.\n(3) The Plan will not pay for eyewear without prescription lenses.\n(4) The Plan will not pay for a further eyewear claim within the replacement period.\n\n§ 10  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Plan will pay only the Plan's proportionate share.\n(2) The Member must tell the Plan about any other insurance that covers the same loss when the Member makes a claim.\n\n§ 11  Electronic documents\n(1) The Plan will send documents by email unless the Member asks for paper copies.\n(2) The Member must tell the Plan if the Member's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 12  Wellness allowance\n(1) Each plan year the Member may claim up to $250 towards a gym membership or fitness class.\n(2) The wellness allowance is not subject to any deductible and does not count towards other limits.\n\n§ 13  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 14  Duty of fair presentation\n(1) The Member must answer all questions the Plan asks honestly and to the best of the Member's knowledge.\n(2) If the Member gives incorrect information deliberately or recklessly, the Plan may treat this policy as if it never existed and keep the premium.\n(3) If the Member gives incorrect information carelessly, the Plan may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 15  Third-party administrators\n(1) The Plan may appoint another company to handle claims or other services on the Plan's behalf.\n(2) Any company the Plan appoints must follow the terms of this policy and applicable data protection law.\n\n§ 16  Therapy Services\n(1) The Plan will reimburse physiotherapy, osteopathy and counselling provided by a registered practitioner.\n(2) The most the Plan will pay for Massage therapy under this section is $300 per treatment.\n(3) The Plan will not pay for treatment of an injury covered by workers' compensation.\n(4) The Plan will not pay for treatment by a practitioner who is not registered with the relevant professional body.\n\n§ 17  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 18  General exclusions\n(1) The Plan will not pay for loss arising from a government order or sanction that prohibits the Plan from paying.\n(2) The Plan will not pay for any deliberate or criminal act by the Member.\n(3) The Plan will not pay for loss or damage caused by war, invasion, or civil war.\n(4) The Plan will not pay for loss of value or loss of use that does not involve physical loss or damage.\n\n§ 19  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Plan will not pay the claim and all cover under this policy may be cancelled.\n(2) The Plan may share information with fraud prevention agencies and other insurers.\n\n§ 20  Interest\n(1) The Plan will not pay interest on any claim payment unless the law requires it.\n\n§ 21  Reasonable precautions\n(1) The Member must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Member must take reasonable steps to recover lost or stolen property.\n\n§ 22  Claims documents\n(1) The Member must provide, at the Member's own expense, original receipts, invoices, reports and any other evidence the Plan reasonably ask for.\n(2) The Plan may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 23  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 24  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Plan may adjust the premium from the date of the change.\n\n§ 25  Inflation\n(1) The Plan may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Member's renewal documents; limits do not change during a policy period.\n\n§ 26  Cancellation\n(1) The Member can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Member can cancel at any time; the Plan will refund the premium for the unexpired period less an administration charge of $25.\n(3) The Plan can cancel this policy by giving the Member 30 days' written notice to the last address the Plan holds.\n\n§ 27  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Plan may charge the premium without the discount from that date.\n\n§ 28  Making a claim\n(1) The Plan may appoint a loss adjuster to investigate any claim.\n(2) The Member must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Member must notify the Plan of a claim within 60 days of the treatment. The Plan will not pay any claim notified after that time.\n\n=== CLAIM ===\nClaim summary: Zainab Thorne; policy K772773; policy start 9 November 2025; schedule covers Dental Care, Vision Care, Therapy Services; extensions none. Section claimed: Hearing Care, for a pair of hearing aids. Treatment date 5 August 2026; notified 2 October 2026; assessed loss $526. Facts: Zainab's previous plan-funded hearing aids were bought 40 months before this claim. An audiologist recommended the purchase after a hearing test. Zainab joined the company's finance team two years ago. Zainab submitted receipts through the benefits portal.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"not_covered": "Decline: Hearing Care is not a cover shown in the schedule", "deny_replacement": "Decline under the early replacement exclusion (§ 3(4))", "deny_waiting": "Decline: the treatment happened during the waiting period (§ 5(2))", "pay_less_fee": "Pay the assessed loss less the deductible", "deny_late": "Decline: the claim was notified too late (§ 28(3))"}, "src": "hard_long_policy", "label": "not_covered"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$1,850", "b": "$0", "c": "$526", "d": "$2,000", "e": "$376"}, "src": "hard_long_policy", "label": "b"}}, "_meta": {"id": "hard-v1/long_policy/development/00026", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00026", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "benefits", "target": "not_covered", "category": "hearing", "tempting": "replacement", "facts": {"domain": "benefits", "fee_order": "after", "notice_days": 60, "categories": {"dental": {"limit": 1500, "fee": 50, "waiting": 90, "purchased": true}, "vision": {"limit": 300, "fee": 40, "waiting": 0, "purchased": true}, "therapy": {"limit": 1500, "fee": 75, "waiting": 0, "purchased": true}, "hearing": {"limit": 2000, "fee": 150, "waiting": 0, "purchased": false}}, "classes": {"major": {"category": "dental", "cap": 750}, "ortho": {"category": "dental", "cap": 600}, "frames": {"category": "vision", "cap": 120}, "massage": {"category": "therapy", "cap": 300}, "accessories": {"category": "hearing", "cap": 150}}, "exclusions": [{"key": "cosmetic", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "out_of_network", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "non_prescription", "categories": ["vision"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "frequency", "categories": ["vision"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}, {"key": "work_injury", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unregistered", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "replacement", "categories": ["hearing"], "kind": "threshold", "thr": 36, "cmp": "lt", "has_exception": false}], "case": {"category": "hearing", "item": "the hearing aids", "item_class": null, "loss_cents": 52600, "start": "2025-11-09", "incident": "2026-08-05", "reported": "2026-10-02", "conditions": {}, "values": {"replacement": 40}, "exceptions": {}}, "options_q": {"outcome": {"not_covered": "not_covered", "deny_replacement": "deny_replacement", "deny_waiting": "deny_waiting", "pay_less_fee": "pay_less_fee", "deny_late": "deny_late"}, "amount": {"a": 185000, "b": 0, "c": 52600, "d": 200000, "e": 37600}}}, "text_sha256": "69b45d6b7351dcccb50ee9b12f2134f255edbc4fcb56fb55bb1a2c6e22404fab", "state_tokens": 2467}}
{"state": "ELECTRONICS CARE PLAN\nIssued by Voltguard Protection Ltd\nIn this policy, \"the Provider\" means Voltguard Protection Ltd and \"the Customer\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Accessories means cases, chargers, earbuds and styluses.\n(2) Accessories means cases, chargers and earbuds.\n(3) Authorised repairer means a repairer approved in writing by the Provider.\n(4) Battery replacement means replacement batteries and battery repairs.\n(5) Device means the item shown in the schedule, bought new from an authorised retailer.\n(6) Family means the Customer's spouse or partner and any children who live with the Customer.\n(7) Incident means a single event, or a series of events arising from one cause.\n(8) Limit means the most the Provider will pay for all claims under a section arising from one incident.\n(9) Manufacturer's warranty period means the first 24 months after the device was bought.\n(10) Policy period means twelve months from the policy start date shown in the Customer's schedule.\n(11) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(12) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(13) Replacement device means a device of the same or similar specification, which may be refurbished.\n(14) Schedule means the document issued with this policy that shows the Customer's details, the covers the Customer bought and any extensions.\n(15) Wearables means smartwatches and fitness trackers.\n\n§ 2  Limits and service fee\n(1) Accidental Damage: limit $1,200 per incident; service fee $49 per claim.\n(2) Breakdown: limit $1,500 per incident; service fee $49 per claim.\n(3) Theft and Loss: limit $1,200 per incident; service fee $99 per claim.\n(4) Any limit or sublimit is applied to the assessed loss first, and the service fee is then deducted from the result.\n\n§ 3  Accidental Damage\n(1) The Provider will repair or replace the Customer's device if it is accidentally damaged.\n(2) The most the Provider will pay for Accessories under this section is $50 per incident.\n(3) The most the Provider will pay for Wearables under this section is $300 per incident.\n(4) The Provider will not pay for cosmetic damage, such as scratches or dents, that does not affect how the device works.\n(5) The Provider will not pay for damage following a repair by anyone other than the Provider or an authorised repairer. This exclusion does not apply if the Provider approved the repair in writing beforehand.\n\n§ 4  Breakdown\n(1) The Provider will repair or replace the Customer's device if it stops working because of an electrical or mechanical fault.\n(2) No cover applies under this section to any incident that happens within the first 45 days after the policy start date.\n(3) The most the Provider will pay for Battery replacement under this section is $120 per incident.\n(4) The Provider will not pay for breakdowns during the manufacturer's warranty period.\n(5) The Provider will not pay for breakdown caused by liquid getting into the device.\n\n§ 5  Optional cover: Theft and Loss\n(1) The Provider will replace the Customer's device if it is stolen or lost.\n(2) This section applies only if it is shown as purchased in the Customer's schedule.\n(3) The most the Provider will pay for Accessories under this section is $50 per incident.\n(4) The Provider will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Provider will not pay for theft that was not reported to the police.\n\n§ 6  General exclusions\n(1) The Provider will not pay for any fraudulent claim or any claim supported by false documents.\n(2) The Provider will not pay for loss caused by nuclear radiation or radioactive contamination.\n(3) The Provider will not pay for any deliberate or criminal act by the Customer.\n(4) The Provider will not pay for loss of value or loss of use that does not involve physical loss or damage.\n\n§ 7  Making a claim\n(1) The Provider may appoint a loss adjuster to investigate any claim.\n(2) The Customer must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Customer must notify the Provider of a claim within 60 days of the incident. The Provider will not pay any claim notified after that time.\n\n§ 8  Records and evidence\n(1) The Customer should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Provider may base any settlement on the price of a comparable item.\n(3) The Provider may ask for evidence of how and when an item was acquired.\n\n§ 9  Salvage\n(1) When the Provider replaces an item, the damaged or recovered item becomes the Provider's property.\n(2) If stolen property is recovered after the Provider has paid a claim, the Customer must tell the Provider and either return the payment or give the Provider the property.\n\n§ 10  Change of address\n(1) The Customer must tell the Provider within 30 days if the Customer changes the Customer's address.\n(2) The Provider may change the premium or the terms from the date of the move.\n\n§ 11  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Provider will pay only the Provider's proportionate share.\n(2) The Customer must tell the Provider about any other insurance that covers the same loss when the Customer makes a claim.\n\n§ 12  Compensation scheme\n(1) The Provider is covered by a financial services compensation scheme.\n(2) If the Provider cannot meet the Provider's obligations, the Customer may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 13  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 14  Exchange of information\n(1) To prevent fraud, the Provider may check the details the Customer gives against public records and industry databases.\n(2) The Provider may contact previous insurers to confirm the Customer's claims history.\n\n§ 15  Replacement devices\n(1) If the Provider cannot repair the Customer's device economically, the Provider will replace it with a replacement device.\n(2) Replacement devices may be a different colour and may be refurbished to an as-new standard.\n(3) Accessories are replaced only if they were lost or damaged in the same incident as the device.\n\n§ 16  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Provider may charge the premium without the discount from that date.\n\n§ 17  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Provider will not pay the claim and all cover under this policy may be cancelled.\n(2) The Provider may share information with fraud prevention agencies and other insurers.\n\n§ 18  Repair process\n(1) After a claim is accepted, the Provider will send a prepaid mailer or book a courier collection.\n(2) The Provider aims to return repaired devices within 5 business days of receiving them.\n\n§ 19  Recovery of costs\n(1) If the Provider pays a claim that is later found not to be covered, the Provider may ask the Customer to repay the amount.\n\n§ 20  Data protection\n(1) The Provider will use the personal information the Customer provides to administer this policy and to handle claims.\n(2) The Provider will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Customer can ask for a copy of the personal information the Provider holds by writing to the Provider's data protection officer.\n\n§ 21  Sanctions\n(1) The Provider will not provide cover or pay any claim to the extent that doing so would expose the Provider to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 22  Inflation\n(1) The Provider may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Customer's renewal documents; limits do not change during a policy period.\n\n§ 23  Automatic renewal\n(1) Unless the Customer tells the Provider otherwise, this policy will renew automatically at the end of the policy period using the payment details the Provider holds.\n(2) The Customer can switch off automatic renewal at any time by contacting the Provider's helpline.\n\n§ 24  Software support\n(1) The Provider's helpline can give advice on setting up and using the Customer's device.\n(2) Software support does not include fixing problems caused by third-party apps or unofficial operating systems.\n\n§ 25  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 26  Claims documents\n(1) The Customer must provide, at the Customer's own expense, original receipts, invoices, reports and any other evidence the Provider reasonably ask for.\n(2) The Provider may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 27  Market conditions\n(1) If the replacement item is no longer available, the Provider will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 28  Environmental commitment\n(1) Where practical, the Provider will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Customer may ask for a new part instead, and the Provider will tell the Customer whether any additional cost would apply.\n\n§ 29  Duty of fair presentation\n(1) The Customer must answer all questions the Provider asks honestly and to the best of the Customer's knowledge.\n(2) If the Customer gives incorrect information deliberately or recklessly, the Provider may treat this policy as if it never existed and keep the premium.\n(3) If the Customer gives incorrect information carelessly, the Provider may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 30  Unrecoverable devices\n(1) If a device is found after the Provider has replaced it, the found device becomes the Provider's property and must be sent to the Provider.\n(2) The Provider may block devices reported as lost or stolen so that they cannot be used on mobile networks.\n\n§ 31  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 32  Payment of claims\n(1) The Provider will pay claims by bank transfer to an account in the Customer's name.\n(2) The Provider aims to pay accepted claims within 5 working days of receiving all the documents the Provider needs.\n\n=== CLAIM ===\nClaim summary: Arjun Brennan; policy D881209; policy start 16 November 2025; schedule covers Accidental Damage, Breakdown; extensions none. Section claimed: Theft and Loss, for a smartphone. Incident date 13 September 2026; notified 18 September 2026; assessed loss $1,134. Facts: Arjun had left the smartphone in a parked car while visiting a museum. The vehicle was locked, and the smartphone was stowed in the covered trunk where it could not be seen. Arjun uses the device mainly for work. The retailer's receipt was uploaded with the claim. The device is registered in Arjun's name.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_late": "Decline: the claim was notified too late (§ 7(3))", "pay_sublimit": "Pay up to the Accessories sublimit (§ 5(3))", "not_covered": "Decline: Theft and Loss is not a cover shown in the schedule", "deny_waiting": "Decline: the incident happened during the waiting period (§ 4(2))", "deny_unattended": "Decline under the unattended property exclusion (§ 5(4))"}, "src": "hard_long_policy", "label": "not_covered"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$1,134", "b": "$1,200", "c": "$1,035", "d": "$1,101", "e": "$0"}, "src": "hard_long_policy", "label": "e"}}, "_meta": {"id": "hard-v1/long_policy/development/00077", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00077", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "device", "target": "not_covered", "category": "theft_loss", "tempting": "unattended", "facts": {"domain": "device", "fee_order": "after", "notice_days": 60, "categories": {"accidental_damage": {"limit": 1200, "fee": 49, "waiting": 0, "purchased": true}, "breakdown": {"limit": 1500, "fee": 49, "waiting": 45, "purchased": true}, "theft_loss": {"limit": 1200, "fee": 99, "waiting": 0, "purchased": false}}, "classes": {"accessories": {"category": "accidental_damage", "cap": 50}, "wearables": {"category": "accidental_damage", "cap": 300}, "battery": {"category": "breakdown", "cap": 120}, "accessories_tl": {"category": "theft_loss", "cap": 50}}, "exclusions": [{"key": "cosmetic_damage", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unauthorised_repair", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "manufacturer_warranty", "categories": ["breakdown"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}, {"key": "liquid", "categories": ["breakdown"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unattended", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "no_police_report", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "theft_loss", "item": "the smartphone", "item_class": null, "loss_cents": 113400, "start": "2025-11-16", "incident": "2026-09-13", "reported": "2026-09-18", "conditions": {"unattended": true}, "values": {}, "exceptions": {"unattended": true}}, "options_q": {"outcome": {"deny_late": "deny_late", "pay_sublimit": "pay_sublimit", "not_covered": "not_covered", "deny_waiting": "deny_waiting", "deny_unattended": "deny_unattended"}, "amount": {"a": 113400, "b": 120000, "c": 103500, "d": 110100, "e": 0}}}, "text_sha256": "0c0fa3ff7d7bc8ca022f988679d155d41cb3cb37d911361e833f6eb92a3800e3", "state_tokens": 2673}}
{"state": "SPEC SHEET: a freight carrier for the Rotterdam to Milan lane\nMeridian Cargo | price per shipment=$1,850 | transit time=9 days | damage rate=1.55% | ease of integration score=8/10 | scalability score=4/10 | documentation score=7/10 | temperature-controlled trailers=no | live GPS tracking=yes\nPortway | price per shipment=$2,250 | transit time=12 days | damage rate=1.95% | ease of integration score=7/10 | scalability score=8/10 | documentation score=7/10 | temperature-controlled trailers=no | live GPS tracking=no\nRhenus Line | price per shipment=$3,325 | transit time=12 days | damage rate=0.50% | ease of integration score=4/10 | scalability score=4/10 | documentation score=7/10 | temperature-controlled trailers=yes | live GPS tracking=no\nAlpfreight | price per shipment=$2,475 | transit time=4 days | damage rate=1.40% | ease of integration score=6/10 | scalability score=7/10 | documentation score=9/10 | temperature-controlled trailers=yes | live GPS tracking=no\nR1: it must offer temperature-controlled trailers\nR2: its damage rate must be at most 1.75%\nSelection: Each option has been scored from 1 to 10 on ease of integration, scalability and documentation (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 45% ease of integration, 35% scalability, 20% documentation.", "questions": {"choice": {"type": "choice", "instructions": "Which carrier best satisfies the brief?", "criteria": {"alpfreight": null, "rhenus_line": null, "portway": null, "meridian_cargo": null}, "src": "hard_tradeoff", "label": "alpfreight"}, "meets": {"type": "noul", "instructions": "Is Alpfreight compliant with all the hard requirements?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00014", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00014", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "carrier", "none_case": false, "facts": {"rule": "weighted", "options": {"Meridian Cargo": {"cost": 1850, "transit": 9, "damage": 155, "reefer": false, "tracking": true, "ease of integration": 8, "scalability": 4, "documentation": 7}, "Portway": {"cost": 2250, "transit": 12, "damage": 195, "reefer": false, "tracking": false, "ease of integration": 7, "scalability": 8, "documentation": 7}, "Rhenus Line": {"cost": 3325, "transit": 12, "damage": 50, "reefer": true, "tracking": false, "ease of integration": 4, "scalability": 4, "documentation": 7}, "Alpfreight": {"cost": 2475, "transit": 4, "damage": 140, "reefer": true, "tracking": false, "ease of integration": 6, "scalability": 7, "documentation": 9}}, "constraints": [{"attr": "reefer", "op": "is", "value": true}, {"attr": "damage", "op": "<=", "value": 175}], "priority": [], "weights": {"ease of integration": 45, "scalability": 35, "documentation": 20}, "years": null, "check": "Alpfreight", "options_q": {"choice": {"alpfreight": "alpfreight", "rhenus_line": "rhenus_line", "portway": "portway", "meridian_cargo": "meridian_cargo"}}}, "text_sha256": "f2ff3b2b4d2efb4fa2d9b7c4904b31f3e8703097e5aebd151be6ae53fe468689", "state_tokens": 367}}
{"state": "MEMO\nRe: Complaint response deadline\n\nHarbor & Pine must answer every formal complaint within 13 business days of receiving it. Business days are Monday to Friday, excluding the public holidays listed here; the day the complaint is received does not count. Public holidays this year: Civic Day (Tuesday 15 December 2026); Harvest Day (Wednesday 13 January 2027); Spring Holiday (Wednesday 20 January 2027); Midsummer Holiday (Monday 22 February 2027).\n\nA complaint was received on Friday 1 January 2027.", "questions": {"due": {"type": "choice", "instructions": "Compute the due date.", "criteria": {"a": "21 January 2027", "b": "20 January 2027", "c": "14 January 2027", "d": "25 January 2027", "e": "22 January 2027"}, "src": "hard_temporal_numeric", "label": "e"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00025", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00025", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "deadline", "facts": {"kind": "deadline", "received": "2027-01-01", "n": 13, "holidays": ["2026-12-15", "2027-01-13", "2027-01-20", "2027-02-22"], "options_q": {"due": {"a": "2027-01-21", "b": "2027-01-20", "c": "2027-01-14", "d": "2027-01-25", "e": "2027-01-22"}}}, "text_sha256": "9c6203b9d3a6a689d3a44947e9d243c4a3510cebb9fdeb723d5f5f01af3188bb", "state_tokens": 130}}
{"state": "MEMO\nRe: Warranty\n\nThe warranty covers manufacturing defects for 36 months from the purchase date. Accidental damage is never covered. Samir Okafor bought a coffee machine on 2025-04-18. Samir made a warranty claim on 2028-06-15.\n\nSamir registered the machine online.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "not_covered": "Not covered by the warranty", "repair_under_warranty": "Repair under warranty"}, "src": "hard_ambiguous", "label": "not_covered"}}, "_meta": {"id": "hard-v1/ambiguous/development/00011", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00010", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "warranty", "twin": "absent", "absent_kind": "nondeciding", "explicit_unknown": false, "facts": {"scenario": "warranty", "insufficient_key": "not_enough_information", "params": {"months": 36, "purchase": "2025-04-18", "claim": "2028-06-15", "cause": null}, "deciding_present": false, "options_q": {"decision": {"not_enough_information": "not_enough_information", "not_covered": "not_covered", "repair_under_warranty": "repair_under_warranty"}}}, "text_sha256": "99cae4ba650b36c65fe58ec2ca1cf35daa9824b6066f410a6065d5d4437d1e8d", "state_tokens": 78}}
{"state": "MEMO\nRe: Overtime\n\nHours beyond 40 in a Monday-to-Sunday week are overtime. No shift may exceed 12 hours. Fiona Haddad worked 10 hours on Monday. Fiona Haddad worked 7 hours on Tuesday.\n\nFiona Haddad worked 9 hours on Wednesday. Fiona Haddad worked 7 hours on Thursday. Fiona's Friday timesheet has not been submitted.\n\nFiona did not work at the weekend.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"no_overtime": "No overtime is due for this week", "overtime_due": "Overtime is due for this week", "not_enough_information": "The information given is not enough to decide"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00003", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00002", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "overtime", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": true, "facts": {"scenario": "overtime", "insufficient_key": "not_enough_information", "params": {"hours": [10, 7, 9, 7, null], "max_shift": 12}, "deciding_present": false, "options_q": {"decision": {"no_overtime": "no_overtime", "overtime_due": "overtime_due", "not_enough_information": "not_enough_information"}}}, "text_sha256": "347a58a1fc0d91cd3fdb99044b90c8cbfaf1df6d8132dafeb6cf82cf4de4b352", "state_tokens": 99}}
{"state": "SINGLE-TRIP TRAVEL PROTECTION PLAN\nIssued by Meridian Travel Insurance Ltd\nIn this policy, \"the Insurer\" means Meridian Travel Insurance Ltd and \"the Insured Person\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Insurer, before any excess, limit or sublimit is applied.\n(2) Excursions and tickets means pre-booked excursions, tours, and event or theatre tickets.\n(3) Public transport means any scheduled train, bus, coach, ferry or aircraft.\n\n§ 2  Limits and excess\n(1) Baggage and Personal Belongings: limit $1,500 per incident; excess $75 per claim.\n(2) Emergency Medical Expenses: limit $50,000 per incident; excess $100 per claim.\n(3) Trip Cancellation: limit $3,000 per incident; excess $50 per claim.\n(4) Travel Delay: limit $750 per incident; excess $25 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the excess is then deducted from the result.\n\n§ 3  Trip Cancellation\n(1) The Insurer will pay non-refundable travel and accommodation costs if the Insured Person must cancel the trip for a reason beyond the Insured Person's control.\n(2) No cover applies under this section to any incident that happens within the first 10 days after the policy start date.\n(3) The most the Insurer will pay for Excursions and tickets under this section is $300 per incident.\n(4) The Insurer will not pay for cancellation caused by a strike or other event that had been publicly announced before the Insured Person bought the policy.\n(5) The Insurer will not pay for cancellation because the Insured Person no longer wish to travel.\n\n§ 4  General exclusions\n(1) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n(2) The Insurer will not pay for any deliberate or criminal act by the Insured Person.\n(3) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n\n§ 5  Making a claim\n(1) The Insurer may appoint a loss adjuster to investigate any claim.\n(2) The Insured Person must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Insured Person must notify the Insurer of a claim within 30 days of the incident. The Insurer will not pay any claim notified after that time.\n\n§ 6  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 7  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 8  Emergency assistance\n(1) The Insurer's emergency assistance service is available 24 hours a day on the number shown in the schedule.\n(2) The Insured Person must contact the assistance service before being admitted to hospital as an in-patient, unless it is an emergency.\n(3) The assistance service can arrange payment guarantees, interpreters and transport home.\n\n§ 9  Rental car excess\n(1) If the Insured Person hires a car during the trip, the Insurer will reimburse any excess the Insured Person must pay to the hire company after accidental damage to the car.\n(2) This section applies only to cars hired from a licensed rental company under a written agreement.\n\n§ 10  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Insured Person gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Insured Person's claims history.\n\n§ 11  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Insured Person must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 12  Assignment\n(1) The Insured Person cannot transfer the Insured Person's interest in this policy to anyone else without the Insurer's written consent.\n\n=== CLAIM ===\nClaim summary: Colm Laine; policy B800443; policy start 9 September 2026; schedule covers Baggage and Personal Belongings, Emergency Medical Expenses, Trip Cancellation, Travel Delay; extensions none. Section claimed: Trip Cancellation, for a non-refundable guided tour package. Incident date 13 September 2026; notified 5 October 2026; assessed loss $1,177. Facts: The trip was cancelled because Colm was admitted to hospital a week before departure. Colm was travelling with two colleagues.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_sublimit": "Pay up to the Excursions and tickets sublimit (§ 3(3))", "deny_waiting": "Decline: the incident happened during the waiting period (§ 3(2))", "deny_known_event": "Decline under the known events exclusion (§ 3(4))", "not_covered": "Decline: Trip Cancellation is not a cover shown in the schedule", "pay_less_fee": "Pay the assessed loss less the excess"}, "src": "hard_long_policy", "label": "deny_waiting"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$0", "b": "$1,127", "c": "$250", "d": "$1,177", "e": "$2,950"}, "src": "hard_long_policy", "label": "a"}}, "_meta": {"id": "hard-v1/long_policy/development/00075", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00075", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "travel", "target": "deny_waiting", "category": "cancellation", "tempting": null, "facts": {"domain": "travel", "fee_order": "after", "notice_days": 30, "categories": {"baggage": {"limit": 1500, "fee": 75, "waiting": 0, "purchased": true}, "medical": {"limit": 50000, "fee": 100, "waiting": 0, "purchased": true}, "cancellation": {"limit": 3000, "fee": 50, "waiting": 10, "purchased": true}, "delay": {"limit": 750, "fee": 25, "waiting": 0, "purchased": true}}, "classes": {"valuables": {"category": "baggage", "cap": 250}, "sports": {"category": "baggage", "cap": 450}, "dental": {"category": "medical", "cap": 250}, "physio": {"category": "medical", "cap": 300}, "excursions": {"category": "cancellation", "cap": 300}}, "exclusions": [{"key": "unattended", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "confiscation", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pre_existing", "categories": ["medical"], "kind": "threshold", "thr": 3, "cmp": "le", "has_exception": false}, {"key": "hazardous", "categories": ["medical"], "kind": "threshold", "thr": 3000, "cmp": "gt", "has_exception": true}, {"key": "intoxication", "categories": ["medical"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "known_event", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "change_of_mind", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "short_delay", "categories": ["delay"], "kind": "threshold", "thr": 6, "cmp": "le", "has_exception": false}], "case": {"category": "cancellation", "item": "the tour package", "item_class": null, "loss_cents": 117700, "start": "2026-09-09", "incident": "2026-09-13", "reported": "2026-10-05", "conditions": {}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"pay_sublimit": "pay_sublimit", "deny_waiting": "deny_waiting", "deny_known_event": "deny_known_event", "not_covered": "not_covered", "pay_less_fee": "pay_less_fee"}, "amount": {"a": 0, "b": 112700, "c": 25000, "d": 117700, "e": 295000}}}, "text_sha256": "c84612b4f2fb02db3bfeaf6d90a993ad0f4786df9eedae1a1d63e4d05212a7e7", "state_tokens": 1164}}
{"state": "MEMO\nRe: Meeting across time zones\n\nA call is scheduled for Sunday, January 18, 6:00 PM Sydney time. On that date Sydney is on UTC+10 and Singapore is on UTC+8. One attendee is in Singapore.", "questions": {"local": {"type": "choice", "instructions": "Local start time in Singapore:", "criteria": {"a": "Sunday, January 18, 8:00 PM", "b": "Sunday, January 18, 3:00 PM", "c": "Sunday, January 18, 5:00 PM", "d": "Monday, January 19, 4:00 PM", "e": "Sunday, January 18, 4:00 PM"}, "src": "hard_temporal_numeric", "label": "e"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00003", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00003", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "tz", "facts": {"kind": "tz", "start": "2026-01-18T18:00", "off_a": 10, "off_b": 8, "options_q": {"local": {"a": "2026-01-18T20:00", "b": "2026-01-18T15:00", "c": "2026-01-18T17:00", "d": "2026-01-19T16:00", "e": "2026-01-18T16:00"}}}, "text_sha256": "4d96cd0a75c6605768d5d68075fa1a486f16b1f6d05509b17d007de449401694", "state_tokens": 55}}
{"state": "MEMO\nRe: Tenure\n\nEmployees are eligible for a sabbatical once they have completed 5 years of continuous employment with the company on the date they apply. Farah Sato applied for the sabbatical on 2025-11-04. Farah joined the company on 2023-12-03.\n\nFarah moved to the Payments team on 2024-02-28. Farah's manager supports the application.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "not_eligible": "Not yet eligible", "eligible": "Eligible for the sabbatical"}, "src": "hard_ambiguous", "label": "not_eligible"}}, "_meta": {"id": "hard-v1/ambiguous/development/00032", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00032", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "tenure", "twin": "intact", "absent_kind": null, "explicit_unknown": null, "facts": {"scenario": "tenure", "insufficient_key": "not_enough_information", "params": {"years": 5, "apply": "2025-11-04", "hired": "2023-12-03", "moved": "2024-02-28"}, "deciding_present": true, "options_q": {"decision": {"not_enough_information": "not_enough_information", "not_eligible": "not_eligible", "eligible": "eligible"}}}, "text_sha256": "b2f5182780b47e693fea16c72340e41adafb51a29423db547196d6bec8aa8cc2", "state_tokens": 105}}
{"state": "MEMO\nRe: Reliability estimate\n\nA checkout succeeds only if all 4 independent steps succeed: the tax service, the warehouse API, the payment gateway, the address validator. The tax service succeeds seventy-five percent of the time. The warehouse API succeeds eighty percent of the time.\n\nThe payment gateway succeeds eighty-five percent of the time. The address validator succeeds eighty-five percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that a checkout fails?", "criteria": {"a": "0.1%", "b": "99.9%", "c": "56.7%", "d": "75.0%", "e": "43.4%"}, "src": "hard_probability", "label": "c"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that a checkout fails?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 3}}, "_meta": {"id": "hard-v1/probability/development/00097", "source": "hard_probability", "group_id": "hard-v1/probability/development/00097", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "independent", "facts": {"kind": "independent", "p": {}, "ps": ["75/100", "80/100", "85/100", "85/100"], "ask": "any_fail", "options_q": {"value": {"a": 1, "b": 999, "c": 567, "d": 750, "e": 434}}, "qid2": "bucket"}, "text_sha256": "4658fe867d558102024da594b83c14cf6129e419f200bd06072010edc7292ff5", "state_tokens": 81}}
{"state": "MEMO\nRe: Price match\n\nWe match a competitor's lower price for an identical item if the competitor has it in stock at the time of the request, but we never match a price more than 20% below ours. If the competitor's price is not lower, no adjustment is needed. Ashok Okafor asked us to match Bramble Games's price for the same blender model. Our price is $779.00; Bramble Games lists it at $662.15.\n\nAshok is a returning customer.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"decline_match": "Decline the price match", "not_enough_information": "The information given is not enough to decide", "match_price": "Match the competitor's price", "no_adjustment": "No adjustment needed"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00065", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00064", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "price_match", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": false, "facts": {"scenario": "price_match", "insufficient_key": "not_enough_information", "params": {"ours_cents": 77900, "theirs_cents": 66215, "max_gap_pct": 20, "in_stock": null}, "deciding_present": false, "options_q": {"decision": {"decline_match": "decline_match", "not_enough_information": "not_enough_information", "match_price": "match_price", "no_adjustment": "no_adjustment"}}}, "text_sha256": "1ee35b440711cd42d17bc2bc357bb9ad2c3228966cebbe722bb07a0174f53060", "state_tokens": 115}}
{"state": "SPEC SHEET: a payment processor for the online store\nTillpoint | fee per transaction=2.15% | payout delay=1 days | uptime commitment=99.93% | multi-currency settlement=yes | a chargeback protection service=no\nSettle Pay | fee per transaction=2.30% | payout delay=3 days | uptime commitment=99.71% | multi-currency settlement=no | a chargeback protection service=yes\nQuickcheck | fee per transaction=2.35% | payout delay=1 days | uptime commitment=99.99% | multi-currency settlement=no | a chargeback protection service=no\nLedgerly | fee per transaction=2.35% | payout delay=3 days | uptime commitment=99.88% | multi-currency settlement=yes | a chargeback protection service=yes\nCoinbridge | fee per transaction=1.70% | payout delay=5 days | uptime commitment=99.85% | multi-currency settlement=no | a chargeback protection service=no\nR1: it must offer a chargeback protection service\nR2: its fee per transaction must be at most 2.25%\nSelection: Among the options that meet every requirement, choose the one with the highest uptime commitment; if two or more are tied on uptime commitment, choose the one with the lowest fee per transaction.", "questions": {"choice": {"type": "choice", "instructions": "Which processor best satisfies the brief?", "criteria": {"settle_pay": null, "coinbridge": null, "quickcheck": null, "none_qualifies": "Reject all options: none meets the requirements", "ledgerly": null, "tillpoint": null}, "src": "hard_tradeoff", "label": "none_qualifies"}, "meets": {"type": "noul", "instructions": "Does Settle Pay meet every hard requirement?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00088", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00088", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "processor", "none_case": true, "facts": {"rule": "lex", "options": {"Tillpoint": {"cost": 215, "payout": 1, "uptime": 9993, "multicurrency": true, "disputes": false}, "Settle Pay": {"cost": 230, "payout": 3, "uptime": 9971, "multicurrency": false, "disputes": true}, "Quickcheck": {"cost": 235, "payout": 1, "uptime": 9999, "multicurrency": false, "disputes": false}, "Ledgerly": {"cost": 235, "payout": 3, "uptime": 9988, "multicurrency": true, "disputes": true}, "Coinbridge": {"cost": 170, "payout": 5, "uptime": 9985, "multicurrency": false, "disputes": false}}, "constraints": [{"attr": "disputes", "op": "is", "value": true}, {"attr": "cost", "op": "<=", "value": 225}], "priority": [["uptime", "higher"], ["cost", "lower"]], "weights": {}, "years": null, "check": "Settle Pay", "options_q": {"choice": {"settle_pay": "settle_pay", "coinbridge": "coinbridge", "quickcheck": "quickcheck", "none_qualifies": "none_qualifies", "ledgerly": "ledgerly", "tillpoint": "tillpoint"}}}, "text_sha256": "8505ed6534ca15eaaebf1921c5ecc7a39e11fee229ce9f8a1cb40630ddb1c2bf", "state_tokens": 294}}
{"state": "DEVICE PROTECTION PLAN TERMS\nIssued by Voltguard Protection Ltd\nIn this policy, \"the Provider\" means Voltguard Protection Ltd and \"the Customer\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Accessories means cases, chargers, earbuds and styluses.\n(2) Battery replacement means replacement batteries and battery repairs.\n(3) Manufacturer's warranty period means the first 24 months after the device was bought.\n(4) Policy period means twelve months from the policy start date shown in the Customer's schedule.\n(5) Wearables means smartwatches and fitness trackers.\n\n§ 2  Limits and service fee\n(1) Accidental Damage: limit $1,200 per incident; service fee $49 per claim.\n(2) Breakdown: limit $1,500 per incident; service fee $25 per claim.\n(3) Theft and Loss: limit $800 per incident; service fee $149 per claim.\n(4) The service fee is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Interest\n(1) The Provider will not pay interest on any claim payment unless the law requires it.\n\n§ 4  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 5  Notices\n(1) Any notice the Provider gives under this policy will be sent to the most recent postal or email address the Provider holds.\n(2) Notices from the Customer should be sent to the address shown in the schedule.\n\n§ 6  Accidental Damage\n(1) The Provider will repair or replace the Customer's device if it is accidentally damaged.\n(2) The most the Provider will pay for Accessories under this section is $50 per incident.\n(3) The most the Provider will pay for Wearables under this section is $300 per incident.\n(4) The Provider will not pay for cosmetic damage, such as scratches or dents, that does not affect how the device works.\n(5) The Provider will not pay for damage following a repair by anyone other than the Provider or an authorised repairer. This exclusion does not apply if the Provider approved the repair in writing beforehand.\n\n§ 7  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 8  Breakdown\n(1) The Provider will repair or replace the Customer's device if it stops working because of an electrical or mechanical fault.\n(2) No cover applies under this section to any incident that happens within the first 30 days after the policy start date.\n(3) The most the Provider will pay for Battery replacement under this section is $80 per incident.\n(4) The Provider will not pay for breakdowns during the manufacturer's warranty period.\n(5) The Provider will not pay for breakdown caused by liquid getting into the device.\n\n§ 9  Premium payment\n(1) The Customer must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Provider may cancel the policy after giving notice.\n\n§ 10  Arbitration\n(1) If the Provider accepts a claim but disagree with the Customer about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Provider.\n\n§ 11  General exclusions\n(1) The Provider will not pay for loss caused by nuclear radiation or radioactive contamination.\n(2) The Provider will not pay for loss of value or loss of use that does not involve physical loss or damage.\n\n§ 12  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 13  Salvage\n(1) When the Provider replaces an item, the damaged or recovered item becomes the Provider's property.\n(2) If stolen property is recovered after the Provider has paid a claim, the Customer must tell the Provider and either return the payment or give the Provider the property.\n\n§ 14  Automatic renewal\n(1) Unless the Customer tells the Provider otherwise, this policy will renew automatically at the end of the policy period using the payment details the Provider holds.\n(2) The Customer can switch off automatic renewal at any time by contacting the Provider's helpline.\n\n§ 15  Unrecoverable devices\n(1) If a device is found after the Provider has replaced it, the found device becomes the Provider's property and must be sent to the Provider.\n(2) The Provider may block devices reported as lost or stolen so that they cannot be used on mobile networks.\n\n§ 16  Change of address\n(1) The Customer must tell the Provider within 30 days if the Customer changes the Customer's address.\n(2) The Provider may change the premium or the terms from the date of the move.\n\n§ 17  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Provider will pay only the Provider's proportionate share.\n(2) The Customer must tell the Provider about any other insurance that covers the same loss when the Customer makes a claim.\n\n§ 18  Data protection\n(1) The Provider will use the personal information the Customer provides to administer this policy and to handle claims.\n(2) The Provider will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Customer can ask for a copy of the personal information the Provider holds by writing to the Provider's data protection officer.\n\n§ 19  Claims documents\n(1) The Customer must provide, at the Customer's own expense, original receipts, invoices, reports and any other evidence the Provider reasonably ask for.\n(2) The Provider may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 20  Compensation scheme\n(1) The Provider is covered by a financial services compensation scheme.\n(2) If the Provider cannot meet the Provider's obligations, the Customer may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 21  Renewal\n(1) The Provider will write to the Customer at least 21 days before the end of the policy period with the renewal terms.\n(2) The Provider is not obliged to offer renewal.\n\n§ 22  Customer support\n(1) The Provider's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Customer can leave a message and the Provider will call back on the next working day.\n\n§ 23  Making a claim\n(1) The Provider may appoint a loss adjuster to investigate any claim.\n(2) The Customer must notify the Provider of a claim within 14 days of the incident. The Provider will not pay any claim notified after that time.\n(3) The Customer must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 24  Electronic documents\n(1) The Provider will send documents by email unless the Customer asks for paper copies.\n(2) The Customer must tell the Provider if the Customer's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 25  Complaints\n(1) If the Customer has a complaint, the Customer should first contact the Provider's customer relations team, quoting the policy number.\n(2) The Provider will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Customer remains dissatisfied, the Customer may be able to refer the complaint to an independent ombudsman service.\n\n§ 26  Inflation\n(1) The Provider may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Customer's renewal documents; limits do not change during a policy period.\n\n§ 27  Transferring the plan\n(1) The Customer may transfer the plan to a new owner of the device by telling the Provider in writing.\n(2) The remaining term of the plan transfers with the device; the term does not restart.\n\n§ 28  Payment of claims\n(1) The Provider will pay claims by bank transfer to an account in the Customer's name.\n(2) The Provider aims to pay accepted claims within 15 working days of receiving all the documents the Provider needs.\n\n§ 29  Repair process\n(1) After a claim is accepted, the Provider will send a prepaid mailer or book a courier collection.\n(2) The Provider aims to return repaired devices within 15 business days of receiving them.\n\n§ 30  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n=== CLAIM ===\nClaim summary: Nia Whitfield; policy D829078; policy start 18 April 2026; schedule covers Accidental Damage, Breakdown; extensions none. Section claimed: Breakdown, for a laptop that no longer powers on. Incident date 22 May 2026; notified 2 June 2026; assessed loss $901. Facts: The technician found a failed component on the main board. The device was bought 25 months before it broke down. The technician found no sign of liquid inside the device. The retailer's receipt was uploaded with the claim. The device is registered in Nia's name.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_manufacturer_warranty": "Decline under the manufacturer's warranty period exclusion (§ 8(4))", "deny_liquid": "Decline under the liquid damage exclusion (§ 8(5))", "pay_less_fee": "Pay the assessed loss less the service fee", "pay_sublimit": "Pay up to the Battery replacement sublimit (§ 8(3))", "not_covered": "Decline: Breakdown is not a cover shown in the schedule"}, "src": "hard_long_policy", "label": "pay_less_fee"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$876", "b": "$901", "c": "$1,475", "d": "$55", "e": "$1,500"}, "src": "hard_long_policy", "label": "a"}}, "_meta": {"id": "hard-v1/long_policy/development/00010", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00010", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "device", "target": "pay_less_fee", "category": "breakdown", "tempting": "manufacturer_warranty", "facts": {"domain": "device", "fee_order": "before", "notice_days": 14, "categories": {"accidental_damage": {"limit": 1200, "fee": 49, "waiting": 0, "purchased": true}, "breakdown": {"limit": 1500, "fee": 25, "waiting": 30, "purchased": true}, "theft_loss": {"limit": 800, "fee": 149, "waiting": 0, "purchased": false}}, "classes": {"accessories": {"category": "accidental_damage", "cap": 50}, "wearables": {"category": "accidental_damage", "cap": 300}, "battery": {"category": "breakdown", "cap": 80}, "accessories_tl": {"category": "theft_loss", "cap": 100}}, "exclusions": [{"key": "cosmetic_damage", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unauthorised_repair", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "manufacturer_warranty", "categories": ["breakdown"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}, {"key": "liquid", "categories": ["breakdown"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unattended", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "no_police_report", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "breakdown", "item": "the laptop", "item_class": null, "loss_cents": 90100, "start": "2026-04-18", "incident": "2026-05-22", "reported": "2026-06-02", "conditions": {"liquid": false}, "values": {"manufacturer_warranty": 25}, "exceptions": {}}, "options_q": {"outcome": {"deny_manufacturer_warranty": "deny_manufacturer_warranty", "deny_liquid": "deny_liquid", "pay_less_fee": "pay_less_fee", "pay_sublimit": "pay_sublimit", "not_covered": "not_covered"}, "amount": {"a": 87600, "b": 90100, "c": 147500, "d": 5500, "e": 150000}}}, "text_sha256": "a89d9e11fae7b01a0141fb76ad723d0a37044dbca55810092452865e8c34245f", "state_tokens": 2181}}
{"state": "MEMO\nRe: Approval\n\nPurchases under $500 need no approval. Purchases from $500 up to $10,000 must be approved by a Manager or more senior; purchases above $10,000 must be approved by a Director or more senior. Seniority: Analyst, Engineer, Manager, Senior Manager, Director, Vice President, Chief Executive. Nadia Vance submitted a purchase of $26,200 for conference travel. The purchase was approved by Maya Abara.\n\nMaya Abara's job title is not listed in the directory. Wen Osei, who leads the travel desk, is a Director.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"not_enough_information": "The information given is not enough to decide", "approval_invalid": "The approval is not valid under the rule", "approval_valid": "The purchase is properly approved"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00083", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00082", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "approval", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": true, "facts": {"scenario": "approval", "insufficient_key": "not_enough_information", "params": {"amount": 26200, "no_approval_below": 500, "director_above": 10000, "title": null}, "deciding_present": false, "options_q": {"decision": {"not_enough_information": "not_enough_information", "approval_invalid": "approval_invalid", "approval_valid": "approval_valid"}}}, "text_sha256": "9385845108f915fc09bc7da7e4905e5764785c908b449f099eaad4c40ae6536a", "state_tokens": 139}}
{"state": "SINGLE-TRIP TRAVEL PROTECTION PLAN\nIssued by Bluewater Assurance\nIn this policy, \"the Insurer\" means Bluewater Assurance and \"the Insured Person\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Dental treatment means treatment of the teeth or gums.\n(2) Excursions and tickets means pre-booked excursions, tours, and event or theatre tickets.\n(3) Hazardous activity means skydiving, motor racing, or trekking or climbing above 4,500 metres.\n(4) Physiotherapy means treatment of muscles and joints by a physiotherapist.\n(5) Policy period means twelve months from the policy start date shown in the Insured Person's schedule.\n(6) Pre-existing condition means any illness or injury for which the Insured Person received treatment or advice in the 3 months before the policy start date.\n\n§ 2  Limits and excess\n(1) Baggage and Personal Belongings: limit $3,000 per incident; excess $75 per claim.\n(2) Emergency Medical Expenses: limit $10,000 per incident; excess $250 per claim.\n(3) Trip Cancellation: limit $3,000 per incident; excess $100 per claim.\n(4) Travel Delay: limit $500 per incident; excess $50 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the excess is then deducted from the result.\n\n§ 3  Complaints\n(1) If the Insured Person has a complaint, the Insured Person should first contact the Insurer's customer relations team, quoting the policy number.\n(2) The Insurer will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Insured Person remains dissatisfied, the Insured Person may be able to refer the complaint to an independent ombudsman service.\n\n§ 4  Trip Cancellation\n(1) The Insurer will pay non-refundable travel and accommodation costs if the Insured Person must cancel the trip for a reason beyond the Insured Person's control.\n(2) No cover applies under this section to any incident that happens within the first 10 days after the policy start date.\n(3) The most the Insurer will pay for Excursions and tickets under this section is $300 per incident.\n(4) The Insurer will not pay for cancellation caused by a strike or other event that had been publicly announced before the Insured Person bought the policy.\n(5) The Insurer will not pay for cancellation because the Insured Person no longer wish to travel.\n\n§ 5  Emergency Medical Expenses\n(1) The Insurer will pay reasonable and necessary emergency medical costs incurred during the trip.\n(2) The most the Insurer will pay for Dental treatment under this section is $250 per incident.\n(3) The most the Insurer will pay for Physiotherapy under this section is $300 per incident.\n(4) The Insurer will not pay for treatment of a pre-existing condition.\n(5) The Insurer will not pay for injury or illness arising from a hazardous activity. This exclusion does not apply if the Adventure Sports extension is shown in the Insured Person's schedule.\n(6) The Insurer will not pay for any claim arising from the Insured Person's being under the influence of alcohol or drugs.\n\n§ 6  Change of address\n(1) The Insured Person must tell the Insurer within 30 days if the Insured Person changes the Insured Person's address.\n(2) The Insurer may change the premium or the terms from the date of the move.\n\n§ 7  General exclusions\n(1) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(2) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n(3) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n\n§ 8  Making a claim\n(1) The Insurer may appoint a loss adjuster to investigate any claim.\n(2) The Insured Person must notify the Insurer of a claim within 30 days of the incident. The Insurer will not pay any claim notified after that time.\n(3) The Insured Person must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 9  Instalment agreements\n(1) If the Insured Person pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n=== CLAIM ===\nClaim summary: Ines Tanaka; policy D642435; policy start 11 October 2025; schedule covers Baggage and Personal Belongings, Emergency Medical Expenses, Trip Cancellation; extensions none. Section claimed: Emergency Medical Expenses, for a hospital stay for acute appendicitis. Incident date 30 July 2026; notified 27 August 2026; assessed loss $4,576. Facts: The problem began while Ines was trekking at an altitude of 3,650 metres. The hospital report notes that Ines had not been drinking. Ines fell ill suddenly on the third day of the trip. Ines was travelling with two colleagues.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_less_fee": "Pay the assessed loss less the excess", "pay_limit": "Pay up to the Emergency Medical Expenses limit", "deny_hazardous": "Decline under the hazardous activities exclusion (§ 5(5))", "deny_pre_existing": "Decline under the pre-existing conditions exclusion (§ 5(4))", "not_covered": "Decline: Emergency Medical Expenses is not a cover shown in the schedule"}, "src": "hard_long_policy", "label": "pay_less_fee"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$9,750", "b": "$4,326", "c": "$0", "d": "$4,576", "e": "$10,000"}, "src": "hard_long_policy", "label": "b"}}, "_meta": {"id": "hard-v1/long_policy/development/00051", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00051", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "travel", "target": "pay_less_fee", "category": "medical", "tempting": null, "facts": {"domain": "travel", "fee_order": "after", "notice_days": 30, "categories": {"baggage": {"limit": 3000, "fee": 75, "waiting": 0, "purchased": true}, "medical": {"limit": 10000, "fee": 250, "waiting": 0, "purchased": true}, "cancellation": {"limit": 3000, "fee": 100, "waiting": 10, "purchased": true}, "delay": {"limit": 500, "fee": 50, "waiting": 0, "purchased": false}}, "classes": {"valuables": {"category": "baggage", "cap": 250}, "sports": {"category": "baggage", "cap": 300}, "dental": {"category": "medical", "cap": 250}, "physio": {"category": "medical", "cap": 300}, "excursions": {"category": "cancellation", "cap": 300}}, "exclusions": [{"key": "unattended", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "confiscation", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pre_existing", "categories": ["medical"], "kind": "threshold", "thr": 3, "cmp": "le", "has_exception": false}, {"key": "hazardous", "categories": ["medical"], "kind": "threshold", "thr": 4500, "cmp": "gt", "has_exception": true}, {"key": "intoxication", "categories": ["medical"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "known_event", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "change_of_mind", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "short_delay", "categories": ["delay"], "kind": "threshold", "thr": 6, "cmp": "le", "has_exception": false}], "case": {"category": "medical", "item": "the hospital stay", "item_class": null, "loss_cents": 457600, "start": "2025-10-11", "incident": "2026-07-30", "reported": "2026-08-27", "conditions": {"intoxication": false}, "values": {"hazardous": 3650}, "exceptions": {}}, "options_q": {"outcome": {"pay_less_fee": "pay_less_fee", "pay_limit": "pay_limit", "deny_hazardous": "deny_hazardous", "deny_pre_existing": "deny_pre_existing", "not_covered": "not_covered"}, "amount": {"a": 975000, "b": 432600, "c": 0, "d": 457600, "e": 1000000}}}, "text_sha256": "b4cf63492c247905469016aeaa3b50b20127b8b724a2181fb0186900b178d90a", "state_tokens": 1196}}
{"state": "MEMO\nRe: Approval routing\n\nPurchase requests of this size must be approved by the nearest person above the requester in the reporting line whose title is Director or more senior. Seniority, from junior to senior: Analyst, Engineer, Manager, Senior Manager, Director, Vice President, Chief Executive. Nia reports to Chloe. Priya reports to Sana.\n\nViktor reports to Kofi. Sana reports to Luca. Jae reports to Priya.\n\nKofi reports to Sana. Greta is a Manager. Nia is a Manager.\n\nPriya is a Director. Luca is a Chief Executive. Fiona is a Manager.\n\nViktor is a Director. Sana is a Vice President. Chloe is a Senior Manager.\n\nMira is a Manager. Dmitri is a Manager. Ayla is a Manager.\n\nKofi is a Director. Hana is a Manager. Jae is a Senior Manager.\n\nDmitri reports to Hana. Hana reports to Priya. Greta reports to Jae.\n\nAyla reports to Chloe. Fiona reports to Viktor. Chloe reports to Kofi.\n\nMira reports to Hana. Mira has submitted a purchase request for $58,000.", "questions": {"approver": {"type": "choice", "instructions": "Which person has to approve the request?", "criteria": {"luca": null, "dmitri": null, "priya": null, "sana": null, "hana": null}, "src": "hard_multi_hop", "label": "priya"}}, "_meta": {"id": "hard-v1/multi_hop/development/00065", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00065", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "org", "rule": "title", "hops": 4, "facts": {"kind": "org", "reports": {"Sana": "Luca", "Priya": "Sana", "Kofi": "Sana", "Jae": "Priya", "Hana": "Priya", "Chloe": "Kofi", "Viktor": "Kofi", "Greta": "Jae", "Dmitri": "Hana", "Mira": "Hana", "Nia": "Chloe", "Ayla": "Chloe", "Fiona": "Viktor"}, "titles": {"Luca": "Chief Executive", "Sana": "Vice President", "Priya": "Director", "Kofi": "Director", "Jae": "Senior Manager", "Hana": "Manager", "Chloe": "Senior Manager", "Viktor": "Director", "Greta": "Manager", "Dmitri": "Manager", "Mira": "Manager", "Nia": "Manager", "Ayla": "Manager", "Fiona": "Manager"}, "requester": "Mira", "rule": "title", "min_title": "Director", "options_q": {"approver": {"luca": "luca", "dmitri": "dmitri", "priya": "priya", "sana": "sana", "hana": "hana"}}}, "text_sha256": "5e61087f1609a802716dc7858b3e3375248cddc54e1ff1613b12076ff9df8e90", "state_tokens": 252}}
{"state": "MEMO\nRe: Quarterly breakdown\n\nCounts of store visitors last month by type and outcome: new: 232 converted, 32 did not convert. returning: 377 converted, 252 did not convert.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, Among records that were converted, what share came from new?", "criteria": {"a": "87.9%", "b": "29.6%", "c": "68.2%", "d": "38.1%", "e": "26.0%"}, "src": "hard_probability", "label": "d"}}, "_meta": {"id": "hard-v1/probability/development/00088", "source": "hard_probability", "group_id": "hard-v1/probability/development/00088", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "table", "facts": {"kind": "table", "p": {}, "counts": {"new": {"converted": 232, "did not convert": 32}, "returning": {"converted": 377, "did not convert": 252}}, "row": "new", "col": "converted", "ask": "row_given_col", "options_q": {"value": {"a": 879, "b": 296, "c": 682, "d": 381, "e": 260}}}, "text_sha256": "074e11140d7121f92162ed77c2b119972209e8e1648dfe882fd7eabda006feef", "state_tokens": 50}}
{"state": "SPEC SHEET: a laptop model for the staff hardware refresh\nVector X1 | unit price=$1,960 | battery life=9 hours | weight=2.0 kg | three-year on-site warranty=yes | built-in LTE=yes\nAero 14 | unit price=$1,540 | battery life=14 hours | weight=2.0 kg | three-year on-site warranty=no | built-in LTE=no\nNova Air | unit price=$1,060 | battery life=11 hours | weight=1.2 kg | three-year on-site warranty=yes | built-in LTE=no\nKeystone 15 | unit price=$820 | battery life=10 hours | weight=2.2 kg | three-year on-site warranty=no | built-in LTE=yes\nOrbit 13 | unit price=$1,700 | battery life=9 hours | weight=1.1 kg | three-year on-site warranty=yes | built-in LTE=no\nR1: it must offer three-year on-site warranty\nSelection: Among the options that meet every requirement, choose the one with the highest battery life; if two or more are tied on battery life, choose the one with the lowest unit price.", "questions": {"choice": {"type": "choice", "instructions": "Which model best satisfies the brief?", "criteria": {"none_qualifies": "No option qualifies", "vector_x1": null, "keystone_15": null, "aero_14": null, "nova_air": null, "orbit_13": null}, "src": "hard_tradeoff", "label": "nova_air"}, "meets": {"type": "noul", "instructions": "Is Aero 14 compliant with all the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00099", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00099", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "model", "none_case": false, "facts": {"rule": "lex", "options": {"Vector X1": {"cost": 1960, "battery": 9, "weight": 20, "warranty": true, "lte": true}, "Aero 14": {"cost": 1540, "battery": 14, "weight": 20, "warranty": false, "lte": false}, "Nova Air": {"cost": 1060, "battery": 11, "weight": 12, "warranty": true, "lte": false}, "Keystone 15": {"cost": 820, "battery": 10, "weight": 22, "warranty": false, "lte": true}, "Orbit 13": {"cost": 1700, "battery": 9, "weight": 11, "warranty": true, "lte": false}}, "constraints": [{"attr": "warranty", "op": "is", "value": true}], "priority": [["battery", "higher"], ["cost", "lower"]], "weights": {}, "years": null, "check": "Aero 14", "options_q": {"choice": {"none_qualifies": "none_qualifies", "vector_x1": "vector_x1", "keystone_15": "keystone_15", "aero_14": "aero_14", "nova_air": "nova_air", "orbit_13": "orbit_13"}}}, "text_sha256": "5c99c225e2ff75b454096c3681818deae0df061b13b9774e16f3919657cbbf5d", "state_tokens": 259}}
{"state": "HOUSEHOLD CONTENTS COVER: POLICY BOOKLET\nIssued by Oakfield Assurance\nIn this policy, \"the Insurer\" means Oakfield Assurance and \"the Policyholder\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Bicycles means bicycles and electric scooters.\n(2) Forcible entry means entry to the home that leaves visible damage to doors, windows or locks.\n(3) High-risk items means jewellery, watches, laptops, games consoles and cameras.\n(4) Portable electronics means laptops, tablets and mobile phones.\n(5) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n(6) Unoccupied means not lived in by the Policyholder or a member of the Policyholder's family for more than 30 consecutive days.\n\n§ 2  Limits and excess\n(1) Theft: limit $10,000 per incident; excess $100 per claim.\n(2) Escape of Water: limit $30,000 per incident; excess $500 per claim.\n(3) Accidental Damage: limit $2,000 per incident; excess $50 per claim.\n(4) Flood: limit $20,000 per incident; excess $500 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the excess is then deducted from the result.\n\n§ 3  Optional cover: Accidental Damage\n(1) The Insurer will pay for sudden and unexpected accidental damage to the Policyholder's contents inside the home.\n(2) This section applies only if it is shown as purchased in the Policyholder's schedule.\n(3) The most the Insurer will pay for Portable electronics under this section is $750 per incident.\n(4) The Insurer will not pay for damage caused by pets.\n(5) The Insurer will not pay for wear and tear, or damage that happens gradually.\n\n§ 4  Theft\n(1) The Insurer will pay for contents stolen from the Policyholder's home.\n(2) The most the Insurer will pay for High-risk items under this section is $1,500 per incident.\n(3) The most the Insurer will pay for Bicycles under this section is $800 per incident.\n(4) The Insurer will not pay for theft while the home is unoccupied.\n(5) The Insurer will not pay for theft where there is no sign of forced entry to the home. This exclusion does not apply where the thief gained entry by deception, for example by posing as a utility worker.\n(6) The Insurer will not pay for theft from sheds, garages or other outbuildings. This exclusion does not apply if the outbuilding was locked and the theft involved forcible entry.\n\n§ 5  General exclusions\n(1) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n(2) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(3) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n\n§ 6  Making a claim\n(1) The Insurer may appoint a loss adjuster to investigate any claim.\n(2) The Policyholder must notify the Insurer of a claim within 90 days of the incident. The Insurer will not pay any claim notified after that time.\n(3) The Policyholder must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n§ 7  Customer support\n(1) The Insurer's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Policyholder can leave a message and the Insurer will call back on the next working day.\n\n§ 8  Premium payment\n(1) The Policyholder must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 14 days of its due date, the Insurer may cancel the policy after giving notice.\n\n§ 9  Freezer contents\n(1) The Insurer will pay for food in a domestic freezer that spoils because of a rise or fall in temperature.\n(2) The Insurer will not pay if the freezer is more than fifteen years old, or if the electricity supplier cut the supply deliberately.\n\n§ 10  Waiver\n(1) If the Insurer does not enforce any term of this policy, that does not mean the Insurer has given up the right to enforce it later.\n\n§ 11  Cancellation\n(1) The Policyholder can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Policyholder can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $15.\n(3) The Insurer can cancel this policy by giving the Policyholder 30 days' written notice to the last address the Insurer holds.\n\n§ 12  Notices\n(1) Any notice the Insurer gives under this policy will be sent to the most recent postal or email address the Insurer holds.\n(2) Notices from the Policyholder should be sent to the address shown in the schedule.\n\n§ 13  Data protection\n(1) The Insurer will use the personal information the Policyholder provides to administer this policy and to handle claims.\n(2) The Insurer will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Policyholder can ask for a copy of the personal information the Insurer holds by writing to the Insurer's data protection officer.\n\n§ 14  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 15  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 16  Compensation scheme\n(1) The Insurer is covered by a financial services compensation scheme.\n(2) If the Insurer cannot meet the Insurer's obligations, the Policyholder may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 17  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Policyholder gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Policyholder's claims history.\n\n=== CLAIM ===\nClaim summary: Bram Osei; policy P520692; policy start 8 January 2026; schedule covers Theft, Escape of Water, Flood; extensions none. Section claimed: Theft, for a television. Incident date 15 November 2026; notified 12 February 2027; assessed loss $12,682.50. Facts: The home had been empty for 27 consecutive days when the theft happened. Burglars forced the back door and took the television. A neighbour reported the incident to the building manager. The building is a converted warehouse with six flats.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"not_covered": "Decline: Theft is not a cover shown in the schedule", "pay_less_fee": "Pay the assessed loss less the excess", "deny_outbuilding": "Decline under the outbuildings exclusion (§ 4(6))", "deny_late": "Decline: the claim was notified too late (§ 6(2))", "pay_limit": "Pay up to the Theft limit"}, "src": "hard_long_policy", "label": "pay_limit"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$10,000", "b": "$1,400", "c": "$9,900", "d": "$12,582.50", "e": "$12,682.50"}, "src": "hard_long_policy", "label": "c"}}, "_meta": {"id": "hard-v1/long_policy/development/00037", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00037", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "home", "target": "pay_limit", "category": "theft", "tempting": null, "facts": {"domain": "home", "fee_order": "after", "notice_days": 90, "categories": {"theft": {"limit": 10000, "fee": 100, "waiting": 0, "purchased": true}, "water": {"limit": 30000, "fee": 500, "waiting": 0, "purchased": true}, "accidental": {"limit": 2000, "fee": 50, "waiting": 0, "purchased": false}, "flood": {"limit": 20000, "fee": 500, "waiting": 14, "purchased": true}}, "classes": {"high_risk": {"category": "theft", "cap": 1500}, "bicycles": {"category": "theft", "cap": 800}, "art": {"category": "water", "cap": 2000}, "portable": {"category": "accidental", "cap": 750}, "garden": {"category": "flood", "cap": 1000}}, "exclusions": [{"key": "unoccupied", "categories": ["theft"], "kind": "threshold", "thr": 30, "cmp": "gt", "has_exception": false}, {"key": "no_forced_entry", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "outbuilding", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "gradual", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "sealant", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pets", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear_home", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "flood_warning", "categories": ["flood"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "theft", "item": "the television", "item_class": null, "loss_cents": 1268250, "start": "2026-01-08", "incident": "2026-11-15", "reported": "2027-02-12", "conditions": {}, "values": {"unoccupied": 27}, "exceptions": {}}, "options_q": {"outcome": {"not_covered": "not_covered", "pay_less_fee": "pay_less_fee", "deny_outbuilding": "deny_outbuilding", "deny_late": "deny_late", "pay_limit": "pay_limit"}, "amount": {"a": 1000000, "b": 140000, "c": 990000, "d": 1258250, "e": 1268250}}}, "text_sha256": "70581b6825ce6e95b5c3f06138af00e45a56660b0e8a1be21f86d0dec05e6bfe", "state_tokens": 1673}}
{"state": "REVIEW REQUEST\nItem: Machine A packs 139 boxes per hour and machine B packs 115 boxes per hour. Working together, how many hours do they need to pack 1,143 boxes? Give one decimal place.\nSubmitted result: Final answer: 9.0 hours", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "8.2 hours", "b": "4.5 hours", "c": "18.2 hours", "d": "9.1 hours", "e": "9.0 hours"}, "src": "hard_judge", "label": "b"}}, "_meta": {"id": "hard-v1/judge/development/00017", "source": "hard_judge", "group_id": "hard-v1/judge/development/00017", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "rate", "error": "average_rate", "facts": {"kind": "rate", "args": {"items": 1143, "r1": 139, "r2": 115}, "dp": 1, "proposed": 90, "error": "average_rate", "options_q": {"value": {"a": 82, "b": 45, "c": 182, "d": 91, "e": 90}}}, "text_sha256": "64b0b3a4e76e98151f9f8e1c4211414a0197ea0253cfd82e2b2e4cab69f8a344", "state_tokens": 64}}
{"state": "MEMO\nRe: Alert from cart service\n\nPaging rule: an alert pages the owning team's primary on-call; if the primary is on leave that day, it pages the secondary; if the secondary is also on leave, it pages the team's engineering manager. This week's Search primary on-call is Ayla and the secondary is Ashok. Alerts from the card tokenizer are owned by the Payments team.\n\nThe Payments engineering manager is Beatriz. This week's Messaging primary on-call is Maya and the secondary is Diego. Tariq is on leave from March 31, 2027 to April 2, 2027 inclusive.\n\nThe Search engineering manager is Arjun. Ayla is on leave from March 27, 2027 to March 31, 2027 inclusive. The Messaging engineering manager is Rosa.\n\nMaya is on leave from March 23, 2027 to April 1, 2027 inclusive. Alerts from the iOS release train are owned by the Messaging team. Ashok is on leave from March 31, 2027 to April 5, 2027 inclusive.\n\nAlerts from the cart service are owned by the Search team. This week's Payments primary on-call is Tariq and the secondary is Ravi. Alerts from the push gateway are owned by the Messaging team.\n\nOn March 28, 2027, an alert fired from the cart service.", "questions": {"paged": {"type": "choice", "instructions": "Who is the right person to page?", "criteria": {"ayla": null, "maya": null, "arjun": null, "ashok": null}, "src": "hard_multi_hop", "label": "ashok"}}, "_meta": {"id": "hard-v1/multi_hop/development/00008", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00008", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "oncall", "facts": {"kind": "oncall", "routes": {"push gateway": "Messaging", "cart service": "Search", "card tokenizer": "Payments", "iOS release train": "Messaging"}, "primary": {"Messaging": "Maya", "Search": "Ayla", "Payments": "Tariq"}, "secondary": {"Messaging": "Diego", "Search": "Ashok", "Payments": "Ravi"}, "manager": {"Messaging": "Rosa", "Search": "Arjun", "Payments": "Beatriz"}, "leave": {"Ayla": [["2027-03-27", "2027-03-31"]], "Ashok": [["2027-03-31", "2027-04-05"]], "Maya": [["2027-03-23", "2027-04-01"]], "Tariq": [["2027-03-31", "2027-04-02"]]}, "component": "cart service", "date": "2027-03-28", "options_q": {"paged": {"ayla": "ayla", "maya": "maya", "arjun": "arjun", "ashok": "ashok"}}}, "text_sha256": "c57c6ebe5a4f8ab7d6a956497987097013bf7cc5f5a82ac5714fb6262a7bf0cc", "state_tokens": 315}}
{"state": "MEMO\nRe: Reliability estimate\n\nA checkout succeeds only if all 3 independent steps succeed: the courier booking, the fraud check, the warehouse API. The courier booking succeeds ninety-five percent of the time. The fraud check succeeds seventy-five percent of the time.\n\nThe warehouse API succeeds ninety-five percent of the time.", "questions": {"value": {"type": "choice", "instructions": "Per the figures given, What is the probability that a checkout succeeds?", "criteria": {"a": "75.0%", "b": "0.1%", "c": "67.7%", "d": "99.9%", "e": "32.3%"}, "src": "hard_probability", "label": "c"}, "bucket": {"type": "score", "instructions": "Per the figures given, How likely is it that a checkout succeeds?", "criteria": ["Under 10%", "10% to 30%", "30% to 50%", "50% to 70%", "70% to 90%", "Over 90%"], "src": "hard_probability", "label": 3}}, "_meta": {"id": "hard-v1/probability/development/00064", "source": "hard_probability", "group_id": "hard-v1/probability/development/00064", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "independent", "facts": {"kind": "independent", "p": {}, "ps": ["95/100", "75/100", "95/100"], "ask": "all", "options_q": {"value": {"a": 750, "b": 1, "c": 677, "d": 999, "e": 323}}, "qid2": "bucket"}, "text_sha256": "bd3b2dd3e7a7c5db461caa79f3259a1b5688a48880ac6c31924ef028a75497c6", "state_tokens": 67}}
{"state": "SPEC SHEET: a CI/CD provider for the platform team\nForge Runner | monthly cost=$1,300 | median build time=21 minutes | parallel jobs=36 jobs | self-hosted runners=no | SSO login=yes\nPipewright | monthly cost=$1,650 | median build time=29 minutes | parallel jobs=44 jobs | self-hosted runners=no | SSO login=yes\nBuildkite Lite | monthly cost=$1,725 | median build time=19 minutes | parallel jobs=30 jobs | self-hosted runners=yes | SSO login=no\nR1: it must offer self-hosted runners\nSelection: Among the options that meet every requirement, choose the one with the highest parallel jobs; if two or more are tied on parallel jobs, choose the one with the lowest monthly cost.", "questions": {"choice": {"type": "choice", "instructions": "Which provider best satisfies the brief?", "criteria": {"forge_runner": null, "pipewright": null, "buildkite_lite": null}, "src": "hard_tradeoff", "label": "buildkite_lite"}, "meets": {"type": "noul", "instructions": "Is Buildkite Lite compliant with all the hard requirements?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00092", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00092", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "provider", "none_case": false, "facts": {"rule": "lex", "options": {"Forge Runner": {"cost": 1300, "build": 21, "concurrency": 36, "selfhosted": false, "sso": true}, "Pipewright": {"cost": 1650, "build": 29, "concurrency": 44, "selfhosted": false, "sso": true}, "Buildkite Lite": {"cost": 1725, "build": 19, "concurrency": 30, "selfhosted": true, "sso": false}}, "constraints": [{"attr": "selfhosted", "op": "is", "value": true}], "priority": [["concurrency", "higher"], ["cost", "lower"]], "weights": {}, "years": null, "check": "Buildkite Lite", "options_q": {"choice": {"forge_runner": "forge_runner", "pipewright": "pipewright", "buildkite_lite": "buildkite_lite"}}}, "text_sha256": "cbdbc670ecf46f5f2271c109e4276fbda92cb244bb7e87b81f53aa4ac442826d", "state_tokens": 180}}
{"state": "SPEC SHEET: a CI/CD provider for the platform team\nLoop Deploy | monthly cost=$775 | median build time=22 minutes | parallel jobs=44 jobs | self-hosted runners=no | SSO login=yes\nTessel Build | monthly cost=$2,075 | median build time=12 minutes | parallel jobs=36 jobs | self-hosted runners=yes | SSO login=yes\nPipewright | monthly cost=$2,550 | median build time=25 minutes | parallel jobs=4 jobs | self-hosted runners=no | SSO login=yes\nRelay CI | monthly cost=$1,700 | median build time=28 minutes | parallel jobs=4 jobs | self-hosted runners=no | SSO login=yes\nBuildkite Lite | monthly cost=$2,375 | median build time=30 minutes | parallel jobs=64 jobs | self-hosted runners=yes | SSO login=no\nR1: it must offer SSO login\nSelection: Among the options that meet every requirement, choose the one with the highest parallel jobs; if two or more are tied on parallel jobs, choose the one with the lowest monthly cost.", "questions": {"choice": {"type": "choice", "instructions": "Which provider best satisfies the brief?", "criteria": {"buildkite_lite": null, "relay_ci": null, "tessel_build": null, "pipewright": null, "loop_deploy": null}, "src": "hard_tradeoff", "label": "loop_deploy"}, "meets": {"type": "noul", "instructions": "Is Buildkite Lite compliant with all the hard requirements?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00017", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00017", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "provider", "none_case": false, "facts": {"rule": "lex", "options": {"Loop Deploy": {"cost": 775, "build": 22, "concurrency": 44, "selfhosted": false, "sso": true}, "Tessel Build": {"cost": 2075, "build": 12, "concurrency": 36, "selfhosted": true, "sso": true}, "Pipewright": {"cost": 2550, "build": 25, "concurrency": 4, "selfhosted": false, "sso": true}, "Relay CI": {"cost": 1700, "build": 28, "concurrency": 4, "selfhosted": false, "sso": true}, "Buildkite Lite": {"cost": 2375, "build": 30, "concurrency": 64, "selfhosted": true, "sso": false}}, "constraints": [{"attr": "sso", "op": "is", "value": true}], "priority": [["concurrency", "higher"], ["cost", "lower"]], "weights": {}, "years": null, "check": "Buildkite Lite", "options_q": {"choice": {"buildkite_lite": "buildkite_lite", "relay_ci": "relay_ci", "tessel_build": "tessel_build", "pipewright": "pipewright", "loop_deploy": "loop_deploy"}}}, "text_sha256": "71d3da0a59abf1989dfc2f4c7fac8cf933c365d692d667cda7b22f0793379ef4", "state_tokens": 253}}
{"state": "MEMO\nRe: Alert from cart service\n\nPaging rule: an alert pages the owning team's primary on-call; if the primary is on leave that day, it pages the secondary; if the secondary is also on leave, it pages the team's engineering manager. Alerts from the event pipeline are owned by the Search team. Ines is on leave from July 2, 2026 to July 7, 2026 inclusive.\n\nThe Storage engineering manager is Luca. Petra is on leave from July 8, 2026 to July 10, 2026 inclusive. This week's Search primary on-call is Elin and the secondary is Tariq.\n\nAlerts from the cart service are owned by the Storage team. Alerts from the push gateway are owned by the Mobile team. Mateo is on leave from July 6, 2026 to July 8, 2026 inclusive.\n\nThe Mobile engineering manager is Colm. This week's Storage primary on-call is Petra and the secondary is Mateo. Alerts from the blob store are owned by the Storage team.\n\nThe Search engineering manager is Sana. This week's Mobile primary on-call is Ines and the secondary is Noah. On July 3, 2026, an alert fired from the cart service.", "questions": {"paged": {"type": "choice", "instructions": "Who is the right person to page?", "criteria": {"luca": null, "petra": null, "elin": null, "mateo": null}, "src": "hard_multi_hop", "label": "petra"}}, "_meta": {"id": "hard-v1/multi_hop/development/00000", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00000", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "oncall", "facts": {"kind": "oncall", "routes": {"cart service": "Storage", "event pipeline": "Search", "push gateway": "Mobile", "blob store": "Storage"}, "primary": {"Storage": "Petra", "Search": "Elin", "Mobile": "Ines"}, "secondary": {"Storage": "Mateo", "Search": "Tariq", "Mobile": "Noah"}, "manager": {"Storage": "Luca", "Search": "Sana", "Mobile": "Colm"}, "leave": {"Petra": [["2026-07-08", "2026-07-10"]], "Mateo": [["2026-07-06", "2026-07-08"]], "Ines": [["2026-07-02", "2026-07-07"]]}, "component": "cart service", "date": "2026-07-03", "options_q": {"paged": {"luca": "luca", "petra": "petra", "elin": "elin", "mateo": "mateo"}}}, "text_sha256": "b50b7533d4bc6137068659ca35f6893dfc06bde8ed05c25dbe2564218d8eaf9e", "state_tokens": 280}}
{"state": "MEMO\nRe: Meeting across time zones\n\nA call is scheduled for Saturday, October 24, 4:00 AM New York time. On that date New York is on UTC-4 and Singapore is on UTC+8. One attendee is in Singapore.", "questions": {"local": {"type": "choice", "instructions": "Local start time in Singapore:", "criteria": {"a": "Friday, October 23, 4:00 PM", "b": "Saturday, October 24, 5:00 PM", "c": "Saturday, October 24, 4:00 PM", "d": "Sunday, October 25, 4:00 PM", "e": "Saturday, October 24, 3:00 PM"}, "src": "hard_temporal_numeric", "label": "c"}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00071", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00071", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "tz", "facts": {"kind": "tz", "start": "2026-10-24T04:00", "off_a": -4, "off_b": 8, "options_q": {"local": {"a": "2026-10-23T16:00", "b": "2026-10-24T17:00", "c": "2026-10-24T16:00", "d": "2026-10-25T16:00", "e": "2026-10-24T15:00"}}}, "text_sha256": "7172f35ad933c3afa05a9f0e1bbf1c0ae42ea3a727e2dd9170460d4a2a094834", "state_tokens": 56}}
{"state": "GADGET COVER: TERMS AND CONDITIONS\nIssued by Circuit Care Services\nIn this policy, \"the Provider\" means Circuit Care Services and \"the Customer\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Accessories means cases, chargers, earbuds and styluses.\n(2) Accessories means cases, chargers and earbuds.\n(3) Assessed loss means the cost of repair or replacement agreed by the Provider, before any service fee, limit or sublimit is applied.\n(4) Authorised repairer means a repairer approved in writing by the Provider.\n(5) Battery replacement means replacement batteries and battery repairs.\n(6) Breakdown means the failure of a part to work as the manufacturer intended, from an internal electrical or mechanical fault.\n(7) Business day means Monday to Friday, excluding public holidays.\n(8) Family means the Customer's spouse or partner and any children who live with the Customer.\n(9) Limit means the most the Provider will pay for all claims under a section arising from one incident.\n(10) Manufacturer's warranty period means the first 12 months after the device was bought.\n(11) Policy period means twelve months from the policy start date shown in the Customer's schedule.\n(12) Premium means the amount the Customer must pay for this policy, including any taxes.\n(13) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(14) Replacement device means a device of the same or similar specification, which may be refurbished.\n(15) Schedule means the document issued with this policy that shows the Customer's details, the covers the Customer bought and any extensions.\n(16) Wearables means smartwatches and fitness trackers.\n\n§ 2  Limits and service fee\n(1) Accidental Damage: limit $1,200 per incident; service fee $49 per claim.\n(2) Breakdown: limit $1,000 per incident; service fee $25 per claim.\n(3) Theft and Loss: limit $800 per incident; service fee $149 per claim.\n(4) The service fee is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Breakdown\n(1) The Provider will repair or replace the Customer's device if it stops working because of an electrical or mechanical fault.\n(2) No cover applies under this section to any incident that happens within the first 45 days after the policy start date.\n(3) The most the Provider will pay for Battery replacement under this section is $80 per incident.\n(4) The Provider will not pay for breakdowns during the manufacturer's warranty period.\n(5) The Provider will not pay for breakdown caused by liquid getting into the device.\n\n§ 4  Accidental Damage\n(1) The Provider will repair or replace the Customer's device if it is accidentally damaged.\n(2) The most the Provider will pay for Accessories under this section is $100 per incident.\n(3) The most the Provider will pay for Wearables under this section is $250 per incident.\n(4) The Provider will not pay for cosmetic damage, such as scratches or dents, that does not affect how the device works.\n(5) The Provider will not pay for damage following a repair by anyone other than the Provider or an authorised repairer. This exclusion does not apply if the Provider approved the repair in writing beforehand.\n\n§ 5  Optional cover: Theft and Loss\n(1) The Provider will replace the Customer's device if it is stolen or lost.\n(2) This section applies only if it is shown as purchased in the Customer's schedule.\n(3) The most the Provider will pay for Accessories under this section is $50 per incident.\n(4) The Provider will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Provider will not pay for theft that was not reported to the police.\n\n§ 6  General exclusions\n(1) The Provider will not pay for loss or damage caused by war, invasion, or civil war.\n(2) The Provider will not pay for loss caused by nuclear radiation or radioactive contamination.\n(3) The Provider will not pay for any deliberate or criminal act by the Customer.\n(4) The Provider will not pay for loss arising from a government order or sanction that prohibits the Provider from paying.\n(5) The Provider will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(6) The Provider will not pay for any fraudulent claim or any claim supported by false documents.\n\n§ 7  Making a claim\n(1) The Provider may appoint a loss adjuster to investigate any claim.\n(2) The Customer must provide proof of ownership or of the cost incurred for every item or service claimed.\n(3) The Customer must notify the Provider of a claim within 21 days of the incident. The Provider will not pay any claim notified after that time.\n\n§ 8  Software support\n(1) The Provider's helpline can give advice on setting up and using the Customer's device.\n(2) Software support does not include fixing problems caused by third-party apps or unofficial operating systems.\n\n§ 9  Interest\n(1) The Provider will not pay interest on any claim payment unless the law requires it.\n\n§ 10  Subrogation\n(1) The Provider will be entitled to take over and conduct in the Customer's name the defence or settlement of any claim.\n(2) The Provider can take action in the Customer's name to recover any payment the Provider makes from anyone responsible for the loss.\n\n§ 11  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 12  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Provider will pay only the Provider's proportionate share.\n(2) The Customer must tell the Provider about any other insurance that covers the same loss when the Customer makes a claim.\n\n§ 13  Payment of claims\n(1) The Provider will pay claims by bank transfer to an account in the Customer's name.\n(2) The Provider aims to pay accepted claims within 5 working days of receiving all the documents the Provider needs.\n\n§ 14  Renewal\n(1) The Provider will write to the Customer at least 21 days before the end of the policy period with the renewal terms.\n(2) The Provider is not obliged to offer renewal.\n\n§ 15  Recovery of costs\n(1) If the Provider pays a claim that is later found not to be covered, the Provider may ask the Customer to repay the amount.\n\n§ 16  Replacement devices\n(1) If the Provider cannot repair the Customer's device economically, the Provider will replace it with a replacement device.\n(2) Replacement devices may be a different colour and may be refurbished to an as-new standard.\n(3) Accessories are replaced only if they were lost or damaged in the same incident as the device.\n\n§ 17  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 18  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Provider will not pay the claim and all cover under this policy may be cancelled.\n(2) The Provider may share information with fraud prevention agencies and other insurers.\n\n§ 19  Unrecoverable devices\n(1) If a device is found after the Provider has replaced it, the found device becomes the Provider's property and must be sent to the Provider.\n(2) The Provider may block devices reported as lost or stolen so that they cannot be used on mobile networks.\n\n§ 20  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Provider may charge the premium without the discount from that date.\n\n§ 21  Inflation\n(1) The Provider may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Customer's renewal documents; limits do not change during a policy period.\n\n§ 22  Environmental commitment\n(1) Where practical, the Provider will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Customer may ask for a new part instead, and the Provider will tell the Customer whether any additional cost would apply.\n\n§ 23  Communication\n(1) The Provider will communicate with the Customer in English.\n(2) The Provider may record telephone calls for training and quality purposes.\n\n§ 24  Duty of fair presentation\n(1) The Customer must answer all questions the Provider asks honestly and to the best of the Customer's knowledge.\n(2) If the Customer gives incorrect information deliberately or recklessly, the Provider may treat this policy as if it never existed and keep the premium.\n(3) If the Customer gives incorrect information carelessly, the Provider may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 25  Complaints\n(1) If the Customer has a complaint, the Customer should first contact the Provider's customer relations team, quoting the policy number.\n(2) The Provider will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Customer remains dissatisfied, the Customer may be able to refer the complaint to an independent ombudsman service.\n\n§ 26  Third-party administrators\n(1) The Provider may appoint another company to handle claims or other services on the Provider's behalf.\n(2) Any company the Provider appoints must follow the terms of this policy and applicable data protection law.\n\n§ 27  Reasonable precautions\n(1) The Customer must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Customer must take reasonable steps to recover lost or stolen property.\n\n§ 28  Repair process\n(1) After a claim is accepted, the Provider will send a prepaid mailer or book a courier collection.\n(2) The Provider aims to return repaired devices within 5 business days of receiving them.\n\n§ 29  Customer support\n(1) The Provider's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Customer can leave a message and the Provider will call back on the next working day.\n\n§ 30  Transferring the plan\n(1) The Customer may transfer the plan to a new owner of the device by telling the Provider in writing.\n(2) The remaining term of the plan transfers with the device; the term does not restart.\n\n§ 31  Electronic documents\n(1) The Provider will send documents by email unless the Customer asks for paper copies.\n(2) The Customer must tell the Provider if the Customer's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 32  Notices\n(1) Any notice the Provider gives under this policy will be sent to the most recent postal or email address the Provider holds.\n(2) Notices from the Customer should be sent to the address shown in the schedule.\n\n§ 33  Data and backups\n(1) The Provider is not responsible for recovering or restoring any data, software or settings stored on the Customer's device.\n(2) The Customer should back up the Customer's data regularly and before sending the device for repair.\n\n§ 34  Market conditions\n(1) If the replacement item is no longer available, the Provider will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 35  Data protection\n(1) The Provider will use the personal information the Customer provides to administer this policy and to handle claims.\n(2) The Provider will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Customer can ask for a copy of the personal information the Provider holds by writing to the Provider's data protection officer.\n\n§ 36  Exchange of information\n(1) To prevent fraud, the Provider may check the details the Customer gives against public records and industry databases.\n(2) The Provider may contact previous insurers to confirm the Customer's claims history.\n\n§ 37  Change of address\n(1) The Customer must tell the Provider within 30 days if the Customer changes the Customer's address.\n(2) The Provider may change the premium or the terms from the date of the move.\n\n§ 38  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 39  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 40  Salvage\n(1) When the Provider replaces an item, the damaged or recovered item becomes the Provider's property.\n(2) If stolen property is recovered after the Provider has paid a claim, the Customer must tell the Provider and either return the payment or give the Provider the property.\n\n§ 41  Waiver\n(1) If the Provider does not enforce any term of this policy, that does not mean the Provider has given up the right to enforce it later.\n\n§ 42  Cancellation\n(1) The Customer can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Customer can cancel at any time; the Provider will refund the premium for the unexpired period less an administration charge of $15.\n(3) The Provider can cancel this policy by giving the Customer 30 days' written notice to the last address the Provider holds.\n\n§ 43  Compensation scheme\n(1) The Provider is covered by a financial services compensation scheme.\n(2) If the Provider cannot meet the Provider's obligations, the Customer may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 44  Arbitration\n(1) If the Provider accepts a claim but disagree with the Customer about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Provider.\n\n§ 45  Assignment\n(1) The Customer cannot transfer the Customer's interest in this policy to anyone else without the Provider's written consent.\n\n§ 46  Records and evidence\n(1) The Customer should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Provider may base any settlement on the price of a comparable item.\n(3) The Provider may ask for evidence of how and when an item was acquired.\n\n§ 47  Sanctions\n(1) The Provider will not provide cover or pay any claim to the extent that doing so would expose the Provider to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 48  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Provider may adjust the premium from the date of the change.\n\n§ 49  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 50  Instalment agreements\n(1) If the Customer pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 51  Claims documents\n(1) The Customer must provide, at the Customer's own expense, original receipts, invoices, reports and any other evidence the Provider reasonably ask for.\n(2) The Provider may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n=== CLAIM ===\nClaim summary: Nia Quinn; policy K661348; policy start 4 June 2026; schedule covers Accidental Damage, Breakdown, Theft and Loss; extensions none. Section claimed: Breakdown, for a laptop that no longer powers on. Incident date 2 July 2026; notified 20 July 2026; assessed loss $792.40. Facts: The technician found a failed component on the main board. Nia uses the device mainly for work. The device is registered in Nia's name. Nia bought the device from an authorised retailer.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_late": "Decline: the claim was notified too late (§ 7(3))", "pay_less_fee": "Pay the assessed loss less the service fee", "not_covered": "Decline: Breakdown is not a cover shown in the schedule", "pay_limit": "Pay up to the Breakdown limit", "deny_waiting": "Decline: the incident happened during the waiting period (§ 3(2))"}, "src": "hard_long_policy", "label": "deny_waiting"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$0", "b": "$767.40", "c": "$792.40", "d": "$975", "e": "$1,000"}, "src": "hard_long_policy", "label": "a"}}, "_meta": {"id": "hard-v1/long_policy/development/00038", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00038", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "device", "target": "deny_waiting", "category": "breakdown", "tempting": null, "facts": {"domain": "device", "fee_order": "before", "notice_days": 21, "categories": {"accidental_damage": {"limit": 1200, "fee": 49, "waiting": 0, "purchased": true}, "breakdown": {"limit": 1000, "fee": 25, "waiting": 45, "purchased": true}, "theft_loss": {"limit": 800, "fee": 149, "waiting": 0, "purchased": true}}, "classes": {"accessories": {"category": "accidental_damage", "cap": 100}, "wearables": {"category": "accidental_damage", "cap": 250}, "battery": {"category": "breakdown", "cap": 80}, "accessories_tl": {"category": "theft_loss", "cap": 50}}, "exclusions": [{"key": "cosmetic_damage", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unauthorised_repair", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "manufacturer_warranty", "categories": ["breakdown"], "kind": "threshold", "thr": 12, "cmp": "lt", "has_exception": false}, {"key": "liquid", "categories": ["breakdown"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unattended", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "no_police_report", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "breakdown", "item": "the laptop", "item_class": null, "loss_cents": 79240, "start": "2026-06-04", "incident": "2026-07-02", "reported": "2026-07-20", "conditions": {}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"deny_late": "deny_late", "pay_less_fee": "pay_less_fee", "not_covered": "not_covered", "pay_limit": "pay_limit", "deny_waiting": "deny_waiting"}, "amount": {"a": 0, "b": 76740, "c": 79240, "d": 97500, "e": 100000}}}, "text_sha256": "6d022a5336bdb033f006e7cad117dca602881c5d18c75ac9b19064b1b1191f05", "state_tokens": 3781}}
{"state": "SPEC SHEET: a laptop model for the staff hardware refresh\nKeystone 15 | unit price=$970 | battery life=6 hours | weight=1.1 kg | reliability score=7/10 | scalability score=8/10 | ease of use score=6/10 | three-year on-site warranty=no | built-in LTE=yes\nOrbit 13 | unit price=$1,370 | battery life=6 hours | weight=1.5 kg | reliability score=6/10 | scalability score=3/10 | ease of use score=5/10 | three-year on-site warranty=no | built-in LTE=yes\nSlate Pro | unit price=$1,390 | battery life=11 hours | weight=1.1 kg | reliability score=3/10 | scalability score=9/10 | ease of use score=7/10 | three-year on-site warranty=no | built-in LTE=yes\nR1: it must offer three-year on-site warranty\nSelection: Each option has been scored from 1 to 10 on reliability, scalability and ease of use (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 60% reliability, 25% scalability, 15% ease of use.", "questions": {"choice": {"type": "choice", "instructions": "Which model best satisfies the brief?", "criteria": {"slate_pro": null, "keystone_15": null, "orbit_13": null, "none_qualifies": "Reject all options: none meets the requirements"}, "src": "hard_tradeoff", "label": "none_qualifies"}, "meets": {"type": "noul", "instructions": "Does Slate Pro meet every hard requirement?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00058", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00058", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "model", "none_case": true, "facts": {"rule": "weighted", "options": {"Keystone 15": {"cost": 970, "battery": 6, "weight": 11, "warranty": false, "lte": true, "reliability": 7, "scalability": 8, "ease of use": 6}, "Orbit 13": {"cost": 1370, "battery": 6, "weight": 15, "warranty": false, "lte": true, "reliability": 6, "scalability": 3, "ease of use": 5}, "Slate Pro": {"cost": 1390, "battery": 11, "weight": 11, "warranty": false, "lte": true, "reliability": 3, "scalability": 9, "ease of use": 7}}, "constraints": [{"attr": "warranty", "op": "is", "value": true}], "priority": [], "weights": {"reliability": 60, "scalability": 25, "ease of use": 15}, "years": null, "check": "Slate Pro", "options_q": {"choice": {"slate_pro": "slate_pro", "keystone_15": "keystone_15", "orbit_13": "orbit_13", "none_qualifies": "none_qualifies"}}}, "text_sha256": "7302b1c02820ac57f3ec8169822d85f21d2b5d9ddbc6d79083a2cd4aa2e7c415", "state_tokens": 283}}
{"state": "MEMO\nRe: Alert from push gateway\n\nPaging rule: an alert pages the owning team's primary on-call; if the primary is on leave that day, it pages the secondary; if the secondary is also on leave, it pages the team's engineering manager. The Storage engineering manager is Samir. Alerts from the iOS release train are owned by the Checkout team.\n\nThis week's Checkout primary on-call is Rosa and the secondary is Kenji. This week's Mobile primary on-call is Greta and the secondary is Emeka. Alerts from the login service are owned by the Mobile team.\n\nAlerts from the push gateway are owned by the Storage team. The Checkout engineering manager is Viktor. Greta is on leave from June 4, 2026 to June 9, 2026 inclusive.\n\nMaya is on leave from June 6, 2026 to June 14, 2026 inclusive. The Mobile engineering manager is Tess. This week's Storage primary on-call is Maya and the secondary is Esme.\n\nAlerts from the card tokenizer are owned by the Storage team. Esme is on leave from June 9, 2026 to June 13, 2026 inclusive. Rosa is on leave from June 4, 2026 to June 12, 2026 inclusive.\n\nOn June 9, 2026, an alert fired from the push gateway.", "questions": {"paged": {"type": "choice", "instructions": "Who is the right person to page?", "criteria": {"maya": null, "samir": null, "esme": null, "greta": null}, "src": "hard_multi_hop", "label": "samir"}}, "_meta": {"id": "hard-v1/multi_hop/development/00054", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00054", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "oncall", "facts": {"kind": "oncall", "routes": {"push gateway": "Storage", "iOS release train": "Checkout", "login service": "Mobile", "card tokenizer": "Storage"}, "primary": {"Storage": "Maya", "Checkout": "Rosa", "Mobile": "Greta"}, "secondary": {"Storage": "Esme", "Checkout": "Kenji", "Mobile": "Emeka"}, "manager": {"Storage": "Samir", "Checkout": "Viktor", "Mobile": "Tess"}, "leave": {"Maya": [["2026-06-06", "2026-06-14"]], "Esme": [["2026-06-09", "2026-06-13"]], "Rosa": [["2026-06-04", "2026-06-12"]], "Greta": [["2026-06-04", "2026-06-09"]]}, "component": "push gateway", "date": "2026-06-09", "options_q": {"paged": {"maya": "maya", "samir": "samir", "esme": "esme", "greta": "greta"}}}, "text_sha256": "d40c269fb5abab7c95002682149e86ecc1347c5be93cc21717d3e57b65aa1347", "state_tokens": 311}}
{"state": "REVIEW REQUEST\nItem: Machine A packs 147 boxes per hour and machine B packs 186 boxes per hour. Working together, how many hours do they need to pack 2,997 boxes? Give one decimal place.\nSubmitted result: I think 9.0 hours", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": true}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "18.0 hours", "b": "9.1 hours", "c": "16.1 hours", "d": "9.0 hours", "e": "36.5 hours"}, "src": "hard_judge", "label": "d"}}, "_meta": {"id": "hard-v1/judge/development/00086", "source": "hard_judge", "group_id": "hard-v1/judge/development/00086", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "rate", "error": null, "facts": {"kind": "rate", "args": {"items": 2997, "r1": 147, "r2": 186}, "dp": 1, "proposed": 90, "error": null, "options_q": {"value": {"a": 180, "b": 91, "c": 161, "d": 90, "e": 365}}}, "text_sha256": "8a800c9581b4542ef7b460f1d0c5e518912cc03c08275651bcde4b1b1c51709f", "state_tokens": 63}}
{"state": "GROUP HEALTH CASH PLAN\nIssued by the Benefits Trust\nIn this policy, \"the Plan\" means the Benefits Trust and \"the Member\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Assessed loss means the cost of repair or replacement agreed by the Plan, before any deductible, limit or sublimit is applied.\n(2) Family means the Member's spouse or partner and any children who live with the Member.\n(3) Frames means spectacle frames bought without new lenses.\n(4) Hearing accessories means batteries, chargers and cleaning kits.\n(5) Hearing aid replacement period means 24 months from the purchase of hearing aids funded by the plan.\n(6) Incident means a single event, or a series of events arising from one cause.\n(7) Limit means the most the Plan will pay for all claims under a section arising from one treatment.\n(8) Major restorative work means crowns, bridges, root canal treatment and implants.\n(9) Massage therapy means sports massage, massage therapy and reflexology.\n(10) Orthodontics means braces and clear aligners.\n(11) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(12) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(13) Replacement period means 24 months from the date of the Member's last eyewear claim.\n\n§ 2  Limits and deductible\n(1) Dental Care: limit $1,500 per treatment; deductible $50 per claim.\n(2) Vision Care: limit $300 per treatment; deductible $40 per claim.\n(3) Therapy Services: limit $1,500 per treatment; deductible $75 per claim.\n(4) Hearing Care: limit $1,000 per treatment; deductible $100 per claim.\n(5) The deductible is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Duty of fair presentation\n(1) The Member must answer all questions the Plan asks honestly and to the best of the Member's knowledge.\n(2) If the Member gives incorrect information deliberately or recklessly, the Plan may treat this policy as if it never existed and keep the premium.\n(3) If the Member gives incorrect information carelessly, the Plan may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 4  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 5  Third-party administrators\n(1) The Plan may appoint another company to handle claims or other services on the Plan's behalf.\n(2) Any company the Plan appoints must follow the terms of this policy and applicable data protection law.\n\n§ 6  Optional cover: Hearing Care\n(1) The Plan will reimburse hearing tests and hearing aids.\n(2) This section applies only if it is shown as purchased in the Member's schedule.\n(3) The most the Plan will pay for Hearing accessories under this section is $100 per treatment.\n(4) The Plan will not pay for replacement hearing aids bought within the hearing aid replacement period.\n\n§ 7  Complaints\n(1) If the Member has a complaint, the Member should first contact the Plan's customer relations team, quoting the policy number.\n(2) The Plan will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Member remains dissatisfied, the Member may be able to refer the complaint to an independent ombudsman service.\n\n§ 8  Dependants\n(1) The Member may enrol dependants at the start of each plan year or within 30 days of a qualifying life event.\n(2) Benefits paid for dependants count towards the same annual limits as the Member's own claims.\n\n§ 9  Eligibility\n(1) Employees who work at least 20 hours a week are eligible to join the plan from their first day of employment.\n(2) Contractors, agency workers and employees on unpaid leave of more than three months are not eligible.\n\n§ 10  Inflation\n(1) The Plan may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Member's renewal documents; limits do not change during a policy period.\n\n§ 11  Salvage\n(1) When the Plan replaces an item, the damaged or recovered item becomes the Plan's property.\n(2) If stolen property is recovered after the Plan has paid a claim, the Member must tell the Plan and either return the payment or give the Plan the property.\n\n§ 12  Reasonable precautions\n(1) The Member must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Member must take reasonable steps to recover lost or stolen property.\n\n§ 13  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 14  Subrogation\n(1) The Plan will be entitled to take over and conduct in the Member's name the defence or settlement of any claim.\n(2) The Plan can take action in the Member's name to recover any payment the Plan makes from anyone responsible for the loss.\n\n§ 15  Claims documents\n(1) The Member must provide, at the Member's own expense, original receipts, invoices, reports and any other evidence the Plan reasonably ask for.\n(2) The Plan may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 16  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 17  Cancellation\n(1) The Member can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Member can cancel at any time; the Plan will refund the premium for the unexpired period less an administration charge of $25.\n(3) The Plan can cancel this policy by giving the Member 30 days' written notice to the last address the Plan holds.\n\n§ 18  Automatic renewal\n(1) Unless the Member tells the Plan otherwise, this policy will renew automatically at the end of the policy period using the payment details the Plan holds.\n(2) The Member can switch off automatic renewal at any time by contacting the Plan's helpline.\n\n§ 19  Change of address\n(1) The Member must tell the Plan within 30 days if the Member changes the Member's address.\n(2) The Plan may change the premium or the terms from the date of the move.\n\n§ 20  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Plan will pay only the Plan's proportionate share.\n(2) The Member must tell the Plan about any other insurance that covers the same loss when the Member makes a claim.\n\n§ 21  Exchange of information\n(1) To prevent fraud, the Plan may check the details the Member gives against public records and industry databases.\n(2) The Plan may contact previous insurers to confirm the Member's claims history.\n\n§ 22  Waiver\n(1) If the Plan does not enforce any term of this policy, that does not mean the Plan has given up the right to enforce it later.\n\n§ 23  Appeals\n(1) If the Plan declines all or part of a claim, the Member may appeal in writing within 60 days of the decision.\n(2) An appeal will be reviewed by someone who was not involved in the original decision.\n(3) The Plan will give the Member a written decision on the appeal within 30 days.\n\n§ 24  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 25  Arbitration\n(1) If the Plan accepts a claim but disagree with the Member about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Plan.\n\n§ 26  Instalment agreements\n(1) If the Member pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 27  Data protection\n(1) The Plan will use the personal information the Member provides to administer this policy and to handle claims.\n(2) The Plan will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Member can ask for a copy of the personal information the Plan holds by writing to the Plan's data protection officer.\n\n§ 28  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 29  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Plan may adjust the premium from the date of the change.\n\n§ 30  Therapy Services\n(1) The Plan will reimburse physiotherapy, osteopathy and counselling provided by a registered practitioner.\n(2) The most the Plan will pay for Massage therapy under this section is $200 per treatment.\n(3) The Plan will not pay for treatment of an injury covered by workers' compensation.\n(4) The Plan will not pay for treatment by a practitioner who is not registered with the relevant professional body.\n\n§ 31  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 32  Payment of claims\n(1) The Plan will pay claims by bank transfer to an account in the Member's name.\n(2) The Plan aims to pay accepted claims within 10 working days of receiving all the documents the Plan needs.\n\n§ 33  Joint policyholders\n(1) Where more than one person is named in the schedule, each of them is treated as having knowledge of anything any of them knows.\n(2) A notice sent to one named person is treated as sent to all of them.\n\n§ 34  Dental Care\n(1) The Plan will reimburse the cost of dental treatment provided by a licensed dentist.\n(2) No cover applies under this section to any treatment that happens within the first 60 days after the policy start date.\n(3) The most the Plan will pay for Major restorative work under this section is $500 per treatment.\n(4) The most the Plan will pay for Orthodontics under this section is $800 per treatment.\n(5) The Plan will not pay for treatment that is mainly cosmetic, such as whitening or veneers. This exclusion does not apply to treatment needed to repair damage caused by an accident.\n(6) The Plan will not pay for treatment by a provider outside the plan's network. This exclusion does not apply to emergency treatment for sudden severe pain.\n\n§ 35  Assignment\n(1) The Member cannot transfer the Member's interest in this policy to anyone else without the Plan's written consent.\n\n§ 36  Interest\n(1) The Plan will not pay interest on any claim payment unless the law requires it.\n\n§ 37  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 38  Premium payment\n(1) The Member must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 21 days of its due date, the Plan may cancel the policy after giving notice.\n\n§ 39  Customer support\n(1) The Plan's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Member can leave a message and the Plan will call back on the next working day.\n\n§ 40  Recovery of costs\n(1) If the Plan pays a claim that is later found not to be covered, the Plan may ask the Member to repay the amount.\n\n§ 41  Wellness allowance\n(1) Each plan year the Member may claim up to $250 towards a gym membership or fitness class.\n(2) The wellness allowance is not subject to any deductible and does not count towards other limits.\n\n§ 42  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Plan may charge the premium without the discount from that date.\n\n§ 43  Electronic documents\n(1) The Plan will send documents by email unless the Member asks for paper copies.\n(2) The Member must tell the Plan if the Member's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 44  Changes in circumstances\n(1) The Member must tell the Plan as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Plan may then change the premium or the terms of this policy, or cancel it.\n\n§ 45  Cooperation\n(1) The Member must give the Plan all the help and information the Plan reasonably need to settle a claim.\n(2) The Member must not admit liability or offer to settle any claim without the Plan's written permission.\n\n§ 46  Notices\n(1) Any notice the Plan gives under this policy will be sent to the most recent postal or email address the Plan holds.\n(2) Notices from the Member should be sent to the address shown in the schedule.\n\n§ 47  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Plan will not pay the claim and all cover under this policy may be cancelled.\n(2) The Plan may share information with fraud prevention agencies and other insurers.\n\n§ 48  Vision Care\n(1) The Plan will reimburse eye tests and prescription eyewear.\n(2) The most the Plan will pay for Frames under this section is $120 per treatment.\n(3) The Plan will not pay for eyewear without prescription lenses.\n(4) The Plan will not pay for a further eyewear claim within the replacement period.\n\n§ 49  Market conditions\n(1) If the replacement item is no longer available, the Plan will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 50  Communication\n(1) The Plan will communicate with the Member in English.\n(2) The Plan may record telephone calls for training and quality purposes.\n\n§ 51  Coordination of benefits\n(1) If a treatment is also covered by another plan, the Plan will pay only the part of the cost that the other plan does not pay.\n(2) The Member must tell the Plan about any other plan that covers the Member or the Member's dependants.\n\n§ 52  Records and evidence\n(1) The Member should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Plan may base any settlement on the price of a comparable item.\n(3) The Plan may ask for evidence of how and when an item was acquired.\n\n§ 53  Renewal\n(1) The Plan will write to the Member at least 21 days before the end of the policy period with the renewal terms.\n(2) The Plan is not obliged to offer renewal.\n\n§ 54  Sanctions\n(1) The Plan will not provide cover or pay any claim to the extent that doing so would expose the Plan to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 55  Compensation scheme\n(1) The Plan is covered by a financial services compensation scheme.\n(2) If the Plan cannot meet the Plan's obligations, the Member may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 56  Environmental commitment\n(1) Where practical, the Plan will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Member may ask for a new part instead, and the Plan will tell the Member whether any additional cost would apply.\n\n§ 57  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 58  General exclusions\n(1) The Plan will not pay for loss or damage caused by war, invasion, or civil war.\n(2) The Plan will not pay for loss arising from a government order or sanction that prohibits the Plan from paying.\n(3) The Plan will not pay for any fraudulent claim or any claim supported by false documents.\n\n§ 59  Leaving the plan\n(1) Cover ends on the day the Member's employment ends or the day the Member stops being eligible, whichever is earlier.\n(2) Claims for treatment received before cover ended may be submitted up to 90 days afterwards.\n\n§ 60  Making a claim\n(1) The Member must notify the Plan of a claim within 90 days of the treatment. The Plan will not pay any claim notified after that time.\n(2) The Plan may appoint a loss adjuster to investigate any claim.\n(3) The Member must provide proof of ownership or of the cost incurred for every item or service claimed.\n\n=== CLAIM ===\nClaim summary: Ashok Ivanova; policy D988670; policy start 16 January 2026; schedule covers Dental Care, Vision Care, Therapy Services, Hearing Care; extensions none. Section claimed: Dental Care, for a filling. Treatment date 23 February 2026; notified 23 May 2026; assessed loss $973. Facts: The dentist recommended the treatment after a routine check-up. The provider issued an itemised invoice.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_waiting": "Decline: the treatment happened during the waiting period (§ 34(2))", "deny_out_of_network": "Decline under the out-of-network providers exclusion (§ 34(6))", "not_covered": "Decline: Dental Care is not a cover shown in the schedule", "deny_cosmetic": "Decline under the cosmetic treatment exclusion (§ 34(5))", "pay_less_fee": "Pay the assessed loss less the deductible"}, "src": "hard_long_policy", "label": "deny_waiting"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$1,500", "b": "$1,450", "c": "$923", "d": "$0", "e": "$973"}, "src": "hard_long_policy", "label": "d"}}, "_meta": {"id": "hard-v1/long_policy/development/00095", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00095", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "benefits", "target": "deny_waiting", "category": "dental", "tempting": null, "facts": {"domain": "benefits", "fee_order": "before", "notice_days": 90, "categories": {"dental": {"limit": 1500, "fee": 50, "waiting": 60, "purchased": true}, "vision": {"limit": 300, "fee": 40, "waiting": 0, "purchased": true}, "therapy": {"limit": 1500, "fee": 75, "waiting": 0, "purchased": true}, "hearing": {"limit": 1000, "fee": 100, "waiting": 0, "purchased": true}}, "classes": {"major": {"category": "dental", "cap": 500}, "ortho": {"category": "dental", "cap": 800}, "frames": {"category": "vision", "cap": 120}, "massage": {"category": "therapy", "cap": 200}, "accessories": {"category": "hearing", "cap": 100}}, "exclusions": [{"key": "cosmetic", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "out_of_network", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "non_prescription", "categories": ["vision"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "frequency", "categories": ["vision"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}, {"key": "work_injury", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unregistered", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "replacement", "categories": ["hearing"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}], "case": {"category": "dental", "item": "the filling", "item_class": null, "loss_cents": 97300, "start": "2026-01-16", "incident": "2026-02-23", "reported": "2026-05-23", "conditions": {}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"deny_waiting": "deny_waiting", "deny_out_of_network": "deny_out_of_network", "not_covered": "not_covered", "deny_cosmetic": "deny_cosmetic", "pay_less_fee": "pay_less_fee"}, "amount": {"a": 150000, "b": 145000, "c": 92300, "d": 0, "e": 97300}}}, "text_sha256": "7aa7fa56ffa0b04ddbc1f9866f22a7fc2058d053e57100c885b8d6adeb3ec3e4", "state_tokens": 4137}}
{"state": "REVIEW REQUEST\nItem: Monthly active users went from 3,932 to 4,435. What is the percentage change, to one decimal place (negative for a decrease)?\nSubmitted result: 11.3%", "questions": {"correct": {"type": "noul", "instructions": "Verify: is the stated result correct?", "src": "hard_judge", "label": false}, "value": {"type": "choice", "instructions": "Correct result:", "criteria": {"a": "503.0%", "b": "11.3%", "c": "-12.8%", "d": "12.8%", "e": "112.8%"}, "src": "hard_judge", "label": "d"}}, "_meta": {"id": "hard-v1/judge/development/00023", "source": "hard_judge", "group_id": "hard-v1/judge/development/00023", "variant": "clean", "split": "development", "template": "judge/t4", "family": "judge", "subtype": "pct_change", "error": "wrong_base", "facts": {"kind": "pct_change", "args": {"old": 3932, "new": 4435}, "dp": 1, "proposed": 113, "error": "wrong_base", "options_q": {"value": {"a": 5030, "b": 113, "c": -128, "d": 128, "e": 1128}}}, "text_sha256": "150d6c4cb3bdefb1b1f33e661faedb0196dcd6e2cf1c14bf29de4d0de6ecefc4", "state_tokens": 51}}
{"state": "MEMO\nRe: Return window\n\nReturns are accepted if the return request is made within 45 days of delivery. Petra Haddad ordered a standing desk on January 16, 2025. The delivery date is not recorded on the order.\n\nPetra asked to return it on March 15, 2025. The desk is unused and in its original packaging.", "questions": {"decision": {"type": "choice", "instructions": "Decide the case.", "criteria": {"accept_return": "Accept the return", "not_enough_information": "The information given is not enough to decide", "reject_return": "Reject the return as outside the window"}, "src": "hard_ambiguous", "label": "not_enough_information"}}, "_meta": {"id": "hard-v1/ambiguous/development/00089", "source": "hard_ambiguous", "group_id": "hard-v1/ambiguous/development/g00088", "variant": "clean", "split": "development", "template": "ambiguous/t4", "family": "ambiguous", "subtype": "return_window", "twin": "absent", "absent_kind": "deciding", "explicit_unknown": true, "facts": {"scenario": "return_window", "insufficient_key": "not_enough_information", "params": {"window": 45, "order": "2025-01-16", "delivered": null, "request": "2025-03-15"}, "deciding_present": false, "options_q": {"decision": {"accept_return": "accept_return", "not_enough_information": "not_enough_information", "reject_return": "reject_return"}}}, "text_sha256": "ee55d8c83e31592ede028d807b07e1b10e42c89a096324a6437a44cceef004e1", "state_tokens": 84}}
{"state": "DEVICE PROTECTION PLAN TERMS\nIssued by Brightline Device Cover\nIn this policy, \"the Provider\" means Brightline Device Cover and \"the Customer\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Accessories means cases, chargers, earbuds and styluses.\n(2) Breakdown means the failure of a part to work as the manufacturer intended, from an internal electrical or mechanical fault.\n(3) Device means the item shown in the schedule, bought new from an authorised retailer.\n(4) Wearables means smartwatches and fitness trackers.\n\n§ 2  Limits and service fee\n(1) Accidental Damage: limit $1,500 per incident; service fee $79 per claim.\n(2) Breakdown: limit $1,500 per incident; service fee $49 per claim.\n(3) Theft and Loss: limit $800 per incident; service fee $99 per claim.\n(4) Any limit or sublimit is applied to the assessed loss first, and the service fee is then deducted from the result.\n\n§ 3  Accidental Damage\n(1) The Provider will repair or replace the Customer's device if it is accidentally damaged.\n(2) The most the Provider will pay for Accessories under this section is $100 per incident.\n(3) The most the Provider will pay for Wearables under this section is $300 per incident.\n(4) The Provider will not pay for cosmetic damage, such as scratches or dents, that does not affect how the device works.\n(5) The Provider will not pay for damage following a repair by anyone other than the Provider or an authorised repairer. This exclusion does not apply if the Provider approved the repair in writing beforehand.\n\n§ 4  General exclusions\n(1) The Provider will not pay for loss caused by nuclear radiation or radioactive contamination.\n(2) The Provider will not pay for any fraudulent claim or any claim supported by false documents.\n\n§ 5  Making a claim\n(1) The Customer must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Provider may appoint a loss adjuster to investigate any claim.\n(3) The Customer must notify the Provider of a claim within 14 days of the incident. The Provider will not pay any claim notified after that time.\n\n§ 6  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Provider will pay only the Provider's proportionate share.\n(2) The Customer must tell the Provider about any other insurance that covers the same loss when the Customer makes a claim.\n\n§ 7  Recovery of costs\n(1) If the Provider pays a claim that is later found not to be covered, the Provider may ask the Customer to repay the amount.\n\n§ 8  Data and backups\n(1) The Provider is not responsible for recovering or restoring any data, software or settings stored on the Customer's device.\n(2) The Customer should back up the Customer's data regularly and before sending the device for repair.\n\n§ 9  Software support\n(1) The Provider's helpline can give advice on setting up and using the Customer's device.\n(2) Software support does not include fixing problems caused by third-party apps or unofficial operating systems.\n\n§ 10  Waiver\n(1) If the Provider does not enforce any term of this policy, that does not mean the Provider has given up the right to enforce it later.\n\n§ 11  Reasonable precautions\n(1) The Customer must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Customer must take reasonable steps to recover lost or stolen property.\n\n§ 12  Arbitration\n(1) If the Provider accepts a claim but disagree with the Customer about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Provider.\n\n§ 13  Notices\n(1) Any notice the Provider gives under this policy will be sent to the most recent postal or email address the Provider holds.\n(2) Notices from the Customer should be sent to the address shown in the schedule.\n\n§ 14  Sanctions\n(1) The Provider will not provide cover or pay any claim to the extent that doing so would expose the Provider to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 15  Premium payment\n(1) The Customer must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 21 days of its due date, the Provider may cancel the policy after giving notice.\n\n§ 16  Salvage\n(1) When the Provider replaces an item, the damaged or recovered item becomes the Provider's property.\n(2) If stolen property is recovered after the Provider has paid a claim, the Customer must tell the Provider and either return the payment or give the Provider the property.\n\n§ 17  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 18  Change of address\n(1) The Customer must tell the Provider within 30 days if the Customer changes the Customer's address.\n(2) The Provider may change the premium or the terms from the date of the move.\n\n§ 19  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Provider will not pay the claim and all cover under this policy may be cancelled.\n(2) The Provider may share information with fraud prevention agencies and other insurers.\n\n§ 20  Duty of fair presentation\n(1) The Customer must answer all questions the Provider asks honestly and to the best of the Customer's knowledge.\n(2) If the Customer gives incorrect information deliberately or recklessly, the Provider may treat this policy as if it never existed and keep the premium.\n(3) If the Customer gives incorrect information carelessly, the Provider may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 21  Replacement devices\n(1) If the Provider cannot repair the Customer's device economically, the Provider will replace it with a replacement device.\n(2) Replacement devices may be a different colour and may be refurbished to an as-new standard.\n(3) Accessories are replaced only if they were lost or damaged in the same incident as the device.\n\n§ 22  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 23  Records and evidence\n(1) The Customer should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Provider may base any settlement on the price of a comparable item.\n(3) The Provider may ask for evidence of how and when an item was acquired.\n\n§ 24  Transferring the plan\n(1) The Customer may transfer the plan to a new owner of the device by telling the Provider in writing.\n(2) The remaining term of the plan transfers with the device; the term does not restart.\n\n§ 25  Electronic documents\n(1) The Provider will send documents by email unless the Customer asks for paper copies.\n(2) The Customer must tell the Provider if the Customer's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 26  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 27  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 28  Exchange of information\n(1) To prevent fraud, the Provider may check the details the Customer gives against public records and industry databases.\n(2) The Provider may contact previous insurers to confirm the Customer's claims history.\n\n§ 29  Claims documents\n(1) The Customer must provide, at the Customer's own expense, original receipts, invoices, reports and any other evidence the Provider reasonably ask for.\n(2) The Provider may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 30  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Provider may adjust the premium from the date of the change.\n\n§ 31  Data protection\n(1) The Provider will use the personal information the Customer provides to administer this policy and to handle claims.\n(2) The Provider will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Customer can ask for a copy of the personal information the Provider holds by writing to the Provider's data protection officer.\n\n=== CLAIM ===\nClaim summary: Esme Mensah; policy B952272; policy start 30 July 2026; schedule covers Accidental Damage, Breakdown, Theft and Loss; extensions none. Section claimed: Accidental Damage, for a smartphone. Incident date 13 August 2026; notified 16 August 2026; assessed loss $889. Facts: The smartphone slipped from Esme's hand onto a stone floor. Esme bought the device from an authorised retailer. Esme uses the device mainly for work. The device is registered in Esme's name.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"pay_limit": "Pay up to the Accidental Damage limit", "pay_less_fee": "Pay the assessed loss less the service fee", "pay_sublimit": "Pay up to the Accessories sublimit (§ 3(2))", "deny_cosmetic_damage": "Decline under the cosmetic damage exclusion (§ 3(4))", "deny_unauthorised_repair": "Decline under the unauthorised repairs exclusion (§ 3(5))"}, "src": "hard_long_policy", "label": "pay_less_fee"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$889", "b": "$1,500", "c": "$810", "d": "$21", "e": "$1,421"}, "src": "hard_long_policy", "label": "c"}}, "_meta": {"id": "hard-v1/long_policy/development/00065", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00065", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "device", "target": "pay_less_fee", "category": "accidental_damage", "tempting": null, "facts": {"domain": "device", "fee_order": "after", "notice_days": 14, "categories": {"accidental_damage": {"limit": 1500, "fee": 79, "waiting": 0, "purchased": true}, "breakdown": {"limit": 1500, "fee": 49, "waiting": 30, "purchased": true}, "theft_loss": {"limit": 800, "fee": 99, "waiting": 0, "purchased": true}}, "classes": {"accessories": {"category": "accidental_damage", "cap": 100}, "wearables": {"category": "accidental_damage", "cap": 300}, "battery": {"category": "breakdown", "cap": 80}, "accessories_tl": {"category": "theft_loss", "cap": 100}}, "exclusions": [{"key": "cosmetic_damage", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unauthorised_repair", "categories": ["accidental_damage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "manufacturer_warranty", "categories": ["breakdown"], "kind": "threshold", "thr": 12, "cmp": "lt", "has_exception": false}, {"key": "liquid", "categories": ["breakdown"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unattended", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "no_police_report", "categories": ["theft_loss"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "accidental_damage", "item": "the smartphone", "item_class": null, "loss_cents": 88900, "start": "2026-07-30", "incident": "2026-08-13", "reported": "2026-08-16", "conditions": {}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"pay_limit": "pay_limit", "pay_less_fee": "pay_less_fee", "pay_sublimit": "pay_sublimit", "deny_cosmetic_damage": "deny_cosmetic_damage", "deny_unauthorised_repair": "deny_unauthorised_repair"}, "amount": {"a": 88900, "b": 150000, "c": 81000, "d": 2100, "e": 142100}}}, "text_sha256": "2145b8d7a9f6ebf248cf97d49d47405de4d4a777cf3a78c79ae822a971e55342", "state_tokens": 2134}}
{"state": "SPEC SHEET: a marketing agency for the spring campaign\nTallgrass Media | fee=$10,000 | lead time=12 weeks | portfolio rating=6/10 | reliability score=5/10 | scalability score=7/10 | documentation score=3/10 | B2B campaign experience=no | in-house video production=yes\nNorthlight Studio | fee=$22,000 | lead time=5 weeks | portfolio rating=10/10 | reliability score=3/10 | scalability score=4/10 | documentation score=9/10 | B2B campaign experience=no | in-house video production=yes\nPaper Kite | fee=$20,000 | lead time=5 weeks | portfolio rating=6/10 | reliability score=7/10 | scalability score=7/10 | documentation score=4/10 | B2B campaign experience=no | in-house video production=yes\nR1: it must offer B2B campaign experience\nR2: its lead time must be at most 8 weeks\nSelection: Each option has been scored from 1 to 10 on reliability, scalability and documentation (higher is better). Among the options that meet every requirement, choose the highest weighted score using the weights 70% reliability, 20% scalability, 10% documentation.", "questions": {"choice": {"type": "choice", "instructions": "Which agency best satisfies the brief?", "criteria": {"none_qualifies": "No option qualifies", "paper_kite": null, "northlight_studio": null, "tallgrass_media": null}, "src": "hard_tradeoff", "label": "none_qualifies"}, "meets": {"type": "noul", "instructions": "Does Northlight Studio meet every hard requirement?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00098", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00098", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "weighted", "context": "agency", "none_case": false, "facts": {"rule": "weighted", "options": {"Tallgrass Media": {"cost": 10000, "lead": 12, "portfolio": 6, "b2b": false, "inhouse": true, "reliability": 5, "scalability": 7, "documentation": 3}, "Northlight Studio": {"cost": 22000, "lead": 5, "portfolio": 10, "b2b": false, "inhouse": true, "reliability": 3, "scalability": 4, "documentation": 9}, "Paper Kite": {"cost": 20000, "lead": 5, "portfolio": 6, "b2b": false, "inhouse": true, "reliability": 7, "scalability": 7, "documentation": 4}}, "constraints": [{"attr": "b2b", "op": "is", "value": true}, {"attr": "lead", "op": "<=", "value": 8}], "priority": [], "weights": {"reliability": 70, "scalability": 20, "documentation": 10}, "years": null, "check": "Northlight Studio", "options_q": {"choice": {"none_qualifies": "none_qualifies", "paper_kite": "paper_kite", "northlight_studio": "northlight_studio", "tallgrass_media": "tallgrass_media"}}}, "text_sha256": "e1adf75a37f58510023979b5449342fda408a26cbce75d3dfdae6d98e9362370", "state_tokens": 292}}
{"state": "MEMO\nRe: Project funding decision\n\nThe planning team must fund exactly one of 3 projects and wants the highest expected net value (expected payoff minus up-front cost). Project Garnet costs $40,000 up front and has a sixty percent chance of a gain of $710,000; a fifteen percent chance of a gain of $170,000; a twenty-five percent chance of a loss of $50,000. Project Delta costs $90,000 up front and has a thirty percent chance of a gain of $70,000; a seventy percent chance of a loss of $180,000.\n\nProject Fjord costs $90,000 up front and has a twenty-five percent chance of a gain of $760,000; a sixty percent chance of a gain of $700,000; a fifteen percent chance of a loss of $40,000.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which project has the highest expected net value?", "criteria": {"project_delta": null, "project_garnet": null, "project_fjord": null}, "src": "hard_probability", "label": "project_fjord"}, "value": {"type": "choice", "instructions": "Per the figures given, What is the expected net value of Project Fjord?", "criteria": {"a": "$514,000", "b": "$670,000", "c": "$383,333", "d": "$424,000", "e": "$604,000"}, "src": "hard_probability", "label": "a"}}, "_meta": {"id": "hard-v1/probability/development/00048", "source": "hard_probability", "group_id": "hard-v1/probability/development/00048", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "ev", "facts": {"kind": "ev", "p": {}, "projects": {"Project Garnet": {"outcomes": [["60/100", 710000], ["15/100", 170000], ["25/100", -50000]], "cost": 40000}, "Project Delta": {"outcomes": [["30/100", 70000], ["70/100", -180000]], "cost": 90000}, "Project Fjord": {"outcomes": [["25/100", 760000], ["60/100", 700000], ["15/100", -40000]], "cost": 90000}}, "asked": "Project Fjord", "options_q": {"choice": {"project_delta": "project_delta", "project_garnet": "project_garnet", "project_fjord": "project_fjord"}, "value": {"a": 514000, "b": 670000, "c": 383333, "d": 424000, "e": 604000}}}, "text_sha256": "55a7f051fbc93e74f891ae08fe0e2561871e34ce30ea026f4197cf46927a9f98", "state_tokens": 215}}
{"state": "MEMO\nRe: Invoice payment timing\n\nInvoice 25738 was issued on 12 April 2026. A late fee applies when payment arrives more than 14 days after the invoice date. Payment reached the account on 3 May 2026.", "questions": {"days": {"type": "choice", "instructions": "Number of days from invoice to payment:", "criteria": {"a": "19 days", "b": "22 days", "c": "23 days", "d": "20 days", "e": "21 days"}, "src": "hard_temporal_numeric", "label": "e"}, "late": {"type": "noul", "instructions": "Does the late fee apply?", "src": "hard_temporal_numeric", "label": true}}, "_meta": {"id": "hard-v1/temporal_numeric/development/00084", "source": "hard_temporal_numeric", "group_id": "hard-v1/temporal_numeric/development/00084", "variant": "clean", "split": "development", "template": "temporal_numeric/t4", "family": "temporal_numeric", "subtype": "diff", "facts": {"kind": "diff", "invoice": "2026-04-12", "paid": "2026-05-03", "limit": 14, "options_q": {"days": {"a": 19, "b": 22, "c": 23, "d": 20, "e": 21}}}, "text_sha256": "8b3ddd16134792bd21b015a241e7e15b1e0a06d35674a9ee590034df057e6d36", "state_tokens": 61}}
{"state": "SPEC SHEET: a marketing agency for the spring campaign\nTallgrass Media | fee=$8,500 | lead time=6 weeks | portfolio rating=9/10 | B2B campaign experience=yes | in-house video production=yes\nWildfern Agency | fee=$20,000 | lead time=6 weeks | portfolio rating=4/10 | B2B campaign experience=yes | in-house video production=no\nBrightside Creative | fee=$25,500 | lead time=4 weeks | portfolio rating=3/10 | B2B campaign experience=no | in-house video production=no\nPaper Kite | fee=$28,500 | lead time=6 weeks | portfolio rating=4/10 | B2B campaign experience=yes | in-house video production=yes\nNorthlight Studio | fee=$27,000 | lead time=8 weeks | portfolio rating=3/10 | B2B campaign experience=yes | in-house video production=yes\nR1: it must offer B2B campaign experience\nSelection: Among the options that meet every requirement, choose the one with the lowest lead time; if two or more are tied on lead time, choose the one with the highest portfolio rating.", "questions": {"choice": {"type": "choice", "instructions": "Which agency best satisfies the brief?", "criteria": {"brightside_creative": null, "paper_kite": null, "tallgrass_media": null, "northlight_studio": null, "wildfern_agency": null}, "src": "hard_tradeoff", "label": "tallgrass_media"}, "meets": {"type": "noul", "instructions": "Does Wildfern Agency meet every hard requirement?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00063", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00063", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "agency", "none_case": false, "facts": {"rule": "lex", "options": {"Tallgrass Media": {"cost": 8500, "lead": 6, "portfolio": 9, "b2b": true, "inhouse": true}, "Wildfern Agency": {"cost": 20000, "lead": 6, "portfolio": 4, "b2b": true, "inhouse": false}, "Brightside Creative": {"cost": 25500, "lead": 4, "portfolio": 3, "b2b": false, "inhouse": false}, "Paper Kite": {"cost": 28500, "lead": 6, "portfolio": 4, "b2b": true, "inhouse": true}, "Northlight Studio": {"cost": 27000, "lead": 8, "portfolio": 3, "b2b": true, "inhouse": true}}, "constraints": [{"attr": "b2b", "op": "is", "value": true}], "priority": [["lead", "lower"], ["portfolio", "higher"]], "weights": {}, "years": null, "check": "Wildfern Agency", "options_q": {"choice": {"brightside_creative": "brightside_creative", "paper_kite": "paper_kite", "tallgrass_media": "tallgrass_media", "northlight_studio": "northlight_studio", "wildfern_agency": "wildfern_agency"}}}, "text_sha256": "8cd9d5180dfaaa53c2f9b3145cb3a07565026ec08d7f90323031436028b618ed", "state_tokens": 262}}
{"state": "SPEC SHEET: a freight carrier for the Rotterdam to Milan lane\nMeridian Cargo | price per shipment=$2,875 | transit time=11 days | damage rate=1.25% | temperature-controlled trailers=yes | live GPS tracking=yes\nAlpfreight | price per shipment=$1,150 | transit time=12 days | damage rate=2.65% | temperature-controlled trailers=no | live GPS tracking=yes\nPortway | price per shipment=$1,550 | transit time=2 days | damage rate=2.40% | temperature-controlled trailers=no | live GPS tracking=no\nKestrel Haulage | price per shipment=$2,100 | transit time=3 days | damage rate=1.05% | temperature-controlled trailers=no | live GPS tracking=no\nR1: its transit time must be at most 7 days\nR2: it must offer temperature-controlled trailers\nSelection: Among the options that meet every requirement, choose the one with the lowest price per shipment; if two or more are tied on price per shipment, choose the one with the lowest transit time.", "questions": {"choice": {"type": "choice", "instructions": "Which carrier best satisfies the brief?", "criteria": {"alpfreight": null, "meridian_cargo": null, "kestrel_haulage": null, "portway": null, "none_qualifies": "No option qualifies"}, "src": "hard_tradeoff", "label": "none_qualifies"}, "meets": {"type": "noul", "instructions": "Does Kestrel Haulage meet every hard requirement?", "src": "hard_tradeoff", "label": false}}, "_meta": {"id": "hard-v1/tradeoff/development/00097", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00097", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "carrier", "none_case": false, "facts": {"rule": "lex", "options": {"Meridian Cargo": {"cost": 2875, "transit": 11, "damage": 125, "reefer": true, "tracking": true}, "Alpfreight": {"cost": 1150, "transit": 12, "damage": 265, "reefer": false, "tracking": true}, "Portway": {"cost": 1550, "transit": 2, "damage": 240, "reefer": false, "tracking": false}, "Kestrel Haulage": {"cost": 2100, "transit": 3, "damage": 105, "reefer": false, "tracking": false}}, "constraints": [{"attr": "transit", "op": "<=", "value": 7}, {"attr": "reefer", "op": "is", "value": true}], "priority": [["cost", "lower"], ["transit", "lower"]], "weights": {}, "years": null, "check": "Kestrel Haulage", "options_q": {"choice": {"alpfreight": "alpfreight", "meridian_cargo": "meridian_cargo", "kestrel_haulage": "kestrel_haulage", "portway": "portway", "none_qualifies": "none_qualifies"}}}, "text_sha256": "a34f264eaf8d62f6700f44cba9c625825346234b0175aaab3b47e55979c35196", "state_tokens": 239}}
{"state": "MEMO\nRe: Approval routing\n\nPurchase requests of this size must be approved by the nearest person above the requester in the reporting line whose title is Director or more senior. Seniority, from junior to senior: Analyst, Engineer, Manager, Senior Manager, Director, Vice President, Chief Executive. Idris reports to Amara. Rafael reports to Diego.\n\nLena reports to Owen. Diego reports to Idris. Hana reports to Amara.\n\nEsme reports to Rafael. Esme is a Manager. Rosa is a Senior Manager.\n\nDiego is a Director. Rafael is a Director. Lena is a Manager.\n\nHana is a Vice President. Owen is a Manager. Colm is a Senior Manager.\n\nOmar is a Manager. Kwame is a Manager. Idris is a Vice President.\n\nJae is a Director. Jonas is a Director. Amara is a Chief Executive.\n\nColm reports to Diego. Jonas reports to Idris. Kwame reports to Colm.\n\nOmar reports to Jonas. Jae reports to Hana. Owen reports to Jae.\n\nRosa reports to Jonas. Lena has submitted a purchase request for $53,000.", "questions": {"approver": {"type": "choice", "instructions": "Which person has to approve the request?", "criteria": {"amara": null, "kwame": null, "hana": null, "owen": null, "jae": null}, "src": "hard_multi_hop", "label": "jae"}}, "_meta": {"id": "hard-v1/multi_hop/development/00002", "source": "hard_multi_hop", "group_id": "hard-v1/multi_hop/development/00002", "variant": "clean", "split": "development", "template": "multi_hop/t4", "family": "multi_hop", "subtype": "org", "rule": "title", "hops": 4, "facts": {"kind": "org", "reports": {"Hana": "Amara", "Idris": "Amara", "Jae": "Hana", "Diego": "Idris", "Jonas": "Idris", "Owen": "Jae", "Rafael": "Diego", "Colm": "Diego", "Rosa": "Jonas", "Omar": "Jonas", "Lena": "Owen", "Esme": "Rafael", "Kwame": "Colm"}, "titles": {"Amara": "Chief Executive", "Hana": "Vice President", "Idris": "Vice President", "Jae": "Director", "Diego": "Director", "Jonas": "Director", "Owen": "Manager", "Rafael": "Director", "Colm": "Senior Manager", "Rosa": "Senior Manager", "Omar": "Manager", "Lena": "Manager", "Esme": "Manager", "Kwame": "Manager"}, "requester": "Lena", "rule": "title", "min_title": "Director", "options_q": {"approver": {"amara": "amara", "kwame": "kwame", "hana": "hana", "owen": "owen", "jae": "jae"}}}, "text_sha256": "da2c80e7d94285e5b1b892e72b9fa51d45368eb7a6b8bb1050b5165d6342a949", "state_tokens": 251}}
{"state": "ANNUAL MULTI-TRIP TRAVEL COVER\nIssued by Compass Mutual\nIn this policy, \"the Insurer\" means Compass Mutual and \"the Insured Person\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Dental treatment means treatment of the teeth or gums.\n(2) Family means the Insured Person's spouse or partner and any children who live with the Insured Person.\n(3) Hazardous activity means skydiving, motor racing, or trekking or climbing above 4,500 metres.\n(4) Physiotherapy means treatment of muscles and joints by a physiotherapist.\n(5) Pre-existing condition means any illness or injury for which the Insured Person received treatment or advice in the 12 months before the policy start date.\n(6) Sports equipment means skis, snowboards, golf clubs, surfboards and bicycles.\n(7) Valuables means laptops, tablets, mobile phones, cameras, watches and jewellery.\n\n§ 2  Limits and excess\n(1) Baggage and Personal Belongings: limit $2,000 per incident; excess $50 per claim.\n(2) Emergency Medical Expenses: limit $50,000 per incident; excess $100 per claim.\n(3) Trip Cancellation: limit $2,000 per incident; excess $50 per claim.\n(4) Travel Delay: limit $750 per incident; excess $50 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the excess is then deducted from the result.\n\n§ 3  Emergency Medical Expenses\n(1) The Insurer will pay reasonable and necessary emergency medical costs incurred during the trip.\n(2) The most the Insurer will pay for Dental treatment under this section is $400 per incident.\n(3) The most the Insurer will pay for Physiotherapy under this section is $300 per incident.\n(4) The Insurer will not pay for treatment of a pre-existing condition.\n(5) The Insurer will not pay for injury or illness arising from a hazardous activity. This exclusion does not apply if the Adventure Sports extension is shown in the Insured Person's schedule.\n(6) The Insurer will not pay for any claim arising from the Insured Person's being under the influence of alcohol or drugs.\n\n§ 4  Baggage and Personal Belongings\n(1) The Insurer will pay for the loss of, theft of, or damage to the Insured Person's baggage and personal belongings during the trip.\n(2) The most the Insurer will pay for Valuables under this section is $500 per incident.\n(3) The most the Insurer will pay for Sports equipment under this section is $300 per incident.\n(4) The Insurer will not pay for loss or theft of property left unattended in a vehicle or in a public place. This exclusion does not apply to property locked out of sight in the boot or trunk of a locked vehicle.\n(5) The Insurer will not pay for loss caused by confiscation or detention by customs or other officials.\n(6) The Insurer will not pay for damage caused by wear and tear or gradual deterioration.\n\n§ 5  General exclusions\n(1) The Insurer will not pay for any deliberate or criminal act by the Insured Person.\n(2) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n\n§ 6  Making a claim\n(1) The Insured Person must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Insurer may appoint a loss adjuster to investigate any claim.\n(3) The Insured Person must notify the Insurer of a claim within 14 days of the incident. The Insurer will not pay any claim notified after that time.\n\n§ 7  Emergency assistance\n(1) The Insurer's emergency assistance service is available 24 hours a day on the number shown in the schedule.\n(2) The Insured Person must contact the assistance service before being admitted to hospital as an in-patient, unless it is an emergency.\n(3) The assistance service can arrange payment guarantees, interpreters and transport home.\n\n§ 8  Third-party administrators\n(1) The Insurer may appoint another company to handle claims or other services on the Insurer's behalf.\n(2) Any company the Insurer appoints must follow the terms of this policy and applicable data protection law.\n\n§ 9  Claims documents\n(1) The Insured Person must provide, at the Insured Person's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n=== CLAIM ===\nClaim summary: Owen Nguyen; policy D812390; policy start 20 April 2025; schedule covers Baggage and Personal Belongings, Emergency Medical Expenses, Trip Cancellation; extensions none. Section claimed: Baggage and Personal Belongings, for a set of golf clubs. Incident date 15 February 2026; notified 24 February 2026; assessed loss $678. Facts: The vehicle was locked, and the golf clubs were stowed in the covered trunk where it could not be seen. Owen had left the golf clubs in a parked car while visiting a museum. The destination was a coastal town Owen had visited before.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_unattended": "Decline under the unattended property exclusion (§ 4(4))", "pay_sublimit": "Pay up to the Sports equipment sublimit (§ 4(3))", "deny_confiscation": "Decline under the confiscation exclusion (§ 4(5))", "deny_late": "Decline: the claim was notified too late (§ 6(3))", "pay_less_fee": "Pay the assessed loss less the excess"}, "src": "hard_long_policy", "label": "pay_sublimit"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$628", "b": "$300", "c": "$250", "d": "$1,950", "e": "$678"}, "src": "hard_long_policy", "label": "c"}}, "_meta": {"id": "hard-v1/long_policy/development/00078", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00078", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "travel", "target": "pay_sublimit", "category": "baggage", "tempting": "unattended", "facts": {"domain": "travel", "fee_order": "after", "notice_days": 14, "categories": {"baggage": {"limit": 2000, "fee": 50, "waiting": 0, "purchased": true}, "medical": {"limit": 50000, "fee": 100, "waiting": 0, "purchased": true}, "cancellation": {"limit": 2000, "fee": 50, "waiting": 14, "purchased": true}, "delay": {"limit": 750, "fee": 50, "waiting": 0, "purchased": false}}, "classes": {"valuables": {"category": "baggage", "cap": 500}, "sports": {"category": "baggage", "cap": 300}, "dental": {"category": "medical", "cap": 400}, "physio": {"category": "medical", "cap": 300}, "excursions": {"category": "cancellation", "cap": 200}}, "exclusions": [{"key": "unattended", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "confiscation", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear", "categories": ["baggage"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pre_existing", "categories": ["medical"], "kind": "threshold", "thr": 12, "cmp": "le", "has_exception": false}, {"key": "hazardous", "categories": ["medical"], "kind": "threshold", "thr": 4500, "cmp": "gt", "has_exception": true}, {"key": "intoxication", "categories": ["medical"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "known_event", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "change_of_mind", "categories": ["cancellation"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "short_delay", "categories": ["delay"], "kind": "threshold", "thr": 6, "cmp": "le", "has_exception": false}], "case": {"category": "baggage", "item": "the golf clubs", "item_class": "sports", "loss_cents": 67800, "start": "2025-04-20", "incident": "2026-02-15", "reported": "2026-02-24", "conditions": {"unattended": true}, "values": {}, "exceptions": {"unattended": true}}, "options_q": {"outcome": {"deny_unattended": "deny_unattended", "pay_sublimit": "pay_sublimit", "deny_confiscation": "deny_confiscation", "deny_late": "deny_late", "pay_less_fee": "pay_less_fee"}, "amount": {"a": 62800, "b": 30000, "c": 25000, "d": 195000, "e": 67800}}}, "text_sha256": "bc7f18dffb89c801e49fd0a27b4c4d79629d394017678b7388d6ea9c04b20d40", "state_tokens": 1207}}
{"state": "MEMO\nRe: Comparing odds\n\nThere is a twenty percent chance that the ad campaign beats its target. There is a eighty percent chance that the server patch installs without errors; these two are independent. There is a eighty-four percent chance that the supplier delivers on time.", "questions": {"choice": {"type": "choice", "instructions": "Per the figures given, Which is more likely?", "criteria": {"second_event": "That the supplier delivers on time", "equally_likely": "They are equally likely", "first_event": "At least one of these happens: the ad campaign beats its target, or the server patch installs without errors"}, "src": "hard_probability", "label": "equally_likely"}}, "_meta": {"id": "hard-v1/probability/development/00025", "source": "hard_probability", "group_id": "hard-v1/probability/development/00025", "variant": "clean", "split": "development", "template": "probability/t4", "family": "probability", "subtype": "compare", "facts": {"kind": "compare", "p": {}, "a": {"op": "or", "p1": "20/100", "p2": "80/100"}, "b": "21/25", "options_q": {"choice": {"second_event": "second_event", "equally_likely": "equally_likely", "first_event": "first_event"}}}, "text_sha256": "e85aefd56728b8d3effb2670358beae4bcf57342e8dfab65f3730d0100c07c35", "state_tokens": 56}}
{"state": "RENTERS CONTENTS PROTECTION\nIssued by Lantern General Insurance\nIn this policy, \"the Insurer\" means Lantern General Insurance and \"the Policyholder\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Art and antiques means paintings, antiques, rugs and other works of art.\n(2) Bicycles means bicycles and electric scooters.\n(3) Contents means household goods and personal possessions that belong to the Policyholder or the Policyholder's family.\n(4) Garden items means garden furniture, plants and outdoor tools.\n(5) High-risk items means jewellery, watches, laptops, games consoles and cameras.\n(6) Home means the private residence at the address shown in the schedule.\n(7) Incident means a single event, or a series of events arising from one cause.\n(8) Limit means the most the Insurer will pay for all claims under a section arising from one incident.\n(9) Outbuilding means a shed, garage or greenhouse within the boundaries of the home.\n(10) Policy period means twelve months from the policy start date shown in the Policyholder's schedule.\n(11) Portable electronics means laptops, tablets and mobile phones.\n(12) Premium means the amount the Policyholder must pay for this policy, including any taxes.\n(13) Proof of purchase means an original receipt, invoice or bank statement showing the item, the price and the date.\n(14) Schedule means the document issued with this policy that shows the Policyholder's details, the covers the Policyholder bought and any extensions.\n(15) Unoccupied means not lived in by the Policyholder or a member of the Policyholder's family for more than 30 consecutive days.\n\n§ 2  Limits and excess\n(1) Theft: limit $20,000 per incident; excess $100 per claim.\n(2) Escape of Water: limit $30,000 per incident; excess $250 per claim.\n(3) Accidental Damage: limit $2,000 per incident; excess $100 per claim.\n(4) Flood: limit $40,000 per incident; excess $500 per claim.\n(5) Any limit or sublimit is applied to the assessed loss first, and the excess is then deducted from the result.\n\n§ 3  Optional cover: Accidental Damage\n(1) The Insurer will pay for sudden and unexpected accidental damage to the Policyholder's contents inside the home.\n(2) This section applies only if it is shown as purchased in the Policyholder's schedule.\n(3) The most the Insurer will pay for Portable electronics under this section is $750 per incident.\n(4) The Insurer will not pay for damage caused by pets.\n(5) The Insurer will not pay for wear and tear, or damage that happens gradually.\n\n§ 4  Escape of Water\n(1) The Insurer will pay for contents damaged by water escaping from a fixed pipe, tank or domestic appliance.\n(2) The most the Insurer will pay for Art and antiques under this section is $2,000 per incident.\n(3) The Insurer will not pay for damage caused by water leaking gradually over a period of time.\n(4) The Insurer will not pay for damage caused by the failure of grout or sealant around baths and showers.\n\n§ 5  Theft\n(1) The Insurer will pay for contents stolen from the Policyholder's home.\n(2) The most the Insurer will pay for High-risk items under this section is $1,500 per incident.\n(3) The most the Insurer will pay for Bicycles under this section is $800 per incident.\n(4) The Insurer will not pay for theft while the home is unoccupied.\n(5) The Insurer will not pay for theft where there is no sign of forced entry to the home. This exclusion does not apply where the thief gained entry by deception, for example by posing as a utility worker.\n(6) The Insurer will not pay for theft from sheds, garages or other outbuildings. This exclusion does not apply if the outbuilding was locked and the theft involved forcible entry.\n\n§ 6  Flood\n(1) The Insurer will pay for contents damaged by flood water entering the Policyholder's home.\n(2) No cover applies under this section to any incident that happens within the first 14 days after the policy start date.\n(3) The most the Insurer will pay for Garden items under this section is $500 per incident.\n(4) The Insurer will not pay for flood damage where a flood warning for the Policyholder's area had been issued before the policy started.\n\n§ 7  General exclusions\n(1) The Insurer will not pay for any deliberate or criminal act by the Policyholder.\n(2) The Insurer will not pay for loss of value or loss of use that does not involve physical loss or damage.\n(3) The Insurer will not pay for loss or damage caused by war, invasion, or civil war.\n(4) The Insurer will not pay for loss caused by nuclear radiation or radioactive contamination.\n(5) The Insurer will not pay for loss arising from a government order or sanction that prohibits the Insurer from paying.\n(6) The Insurer will not pay for any fraudulent claim or any claim supported by false documents.\n\n§ 8  Making a claim\n(1) The Policyholder must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Policyholder must notify the Insurer of a claim within 60 days of the incident. The Insurer will not pay any claim notified after that time.\n(3) The Insurer may appoint a loss adjuster to investigate any claim.\n\n§ 9  Changes in circumstances\n(1) The Policyholder must tell the Insurer as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Insurer may then change the premium or the terms of this policy, or cancel it.\n\n§ 10  Instalment agreements\n(1) If the Policyholder pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 11  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 12  Contents temporarily removed\n(1) The Policyholder's contents are covered while temporarily removed from the home to another building in the same country, for up to 60 days.\n(2) Contents in a student hall of residence are covered only if the student is a member of the Policyholder's family.\n\n§ 13  Freezer contents\n(1) The Insurer will pay for food in a domestic freezer that spoils because of a rise or fall in temperature.\n(2) The Insurer will not pay if the freezer is more than fifteen years old, or if the electricity supplier cut the supply deliberately.\n\n§ 14  Duty of fair presentation\n(1) The Policyholder must answer all questions the Insurer asks honestly and to the best of the Policyholder's knowledge.\n(2) If the Policyholder gives incorrect information deliberately or recklessly, the Insurer may treat this policy as if it never existed and keep the premium.\n(3) If the Policyholder gives incorrect information carelessly, the Insurer may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 15  Customer support\n(1) The Insurer's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Policyholder can leave a message and the Insurer will call back on the next working day.\n\n§ 16  Recovery of costs\n(1) If the Insurer pays a claim that is later found not to be covered, the Insurer may ask the Policyholder to repay the amount.\n\n§ 17  Renewal\n(1) The Insurer will write to the Policyholder at least 21 days before the end of the policy period with the renewal terms.\n(2) The Insurer is not obliged to offer renewal.\n\n§ 18  Assignment\n(1) The Policyholder cannot transfer the Policyholder's interest in this policy to anyone else without the Insurer's written consent.\n\n§ 19  Payment of claims\n(1) The Insurer will pay claims by bank transfer to an account in the Policyholder's name.\n(2) The Insurer aims to pay accepted claims within 5 working days of receiving all the documents the Insurer needs.\n\n§ 20  Locks and keys\n(1) If the keys to the Policyholder's home are lost or stolen, the Insurer will pay the cost of replacing the locks to the outside doors.\n(2) The most the Insurer will pay under this clause is $750 for any one claim.\n\n§ 21  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 22  Environmental commitment\n(1) Where practical, the Insurer will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Policyholder may ask for a new part instead, and the Insurer will tell the Policyholder whether any additional cost would apply.\n\n§ 23  Subrogation\n(1) The Insurer will be entitled to take over and conduct in the Policyholder's name the defence or settlement of any claim.\n(2) The Insurer can take action in the Policyholder's name to recover any payment the Insurer makes from anyone responsible for the loss.\n\n§ 24  Third-party administrators\n(1) The Insurer may appoint another company to handle claims or other services on the Insurer's behalf.\n(2) Any company the Insurer appoints must follow the terms of this policy and applicable data protection law.\n\n§ 25  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Insurer will not pay the claim and all cover under this policy may be cancelled.\n(2) The Insurer may share information with fraud prevention agencies and other insurers.\n\n§ 26  Sanctions\n(1) The Insurer will not provide cover or pay any claim to the extent that doing so would expose the Insurer to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 27  Garden and outdoor cover\n(1) The Insurer will pay for plants, trees and shrubs in the garden of the home that are damaged by fire, lightning or theft.\n(2) The Insurer will not pay for damage caused by frost, storms, drought or animals.\n\n§ 28  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 29  Data protection\n(1) The Insurer will use the personal information the Policyholder provides to administer this policy and to handle claims.\n(2) The Insurer will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Policyholder can ask for a copy of the personal information the Insurer holds by writing to the Insurer's data protection officer.\n\n§ 30  Communication\n(1) The Insurer will communicate with the Policyholder in English.\n(2) The Insurer may record telephone calls for training and quality purposes.\n\n§ 31  Premium payment\n(1) The Policyholder must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 7 days of its due date, the Insurer may cancel the policy after giving notice.\n\n§ 32  Salvage\n(1) When the Insurer replaces an item, the damaged or recovered item becomes the Insurer's property.\n(2) If stolen property is recovered after the Insurer has paid a claim, the Policyholder must tell the Insurer and either return the payment or give the Insurer the property.\n\n§ 33  Automatic renewal\n(1) Unless the Policyholder tells the Insurer otherwise, this policy will renew automatically at the end of the policy period using the payment details the Insurer holds.\n(2) The Policyholder can switch off automatic renewal at any time by contacting the Insurer's helpline.\n\n§ 34  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 35  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 36  Cancellation\n(1) The Policyholder can cancel this policy within 14 days of receiving it and receive a full refund, provided no claim has been made.\n(2) After the first 14 days the Policyholder can cancel at any time; the Insurer will refund the premium for the unexpired period less an administration charge of $25.\n(3) The Insurer can cancel this policy by giving the Policyholder 30 days' written notice to the last address the Insurer holds.\n\n§ 37  Change of address\n(1) The Policyholder must tell the Insurer within 30 days if the Policyholder changes the Policyholder's address.\n(2) The Insurer may change the premium or the terms from the date of the move.\n\n§ 38  Records and evidence\n(1) The Policyholder should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Insurer may base any settlement on the price of a comparable item.\n(3) The Insurer may ask for evidence of how and when an item was acquired.\n\n§ 39  Exchange of information\n(1) To prevent fraud, the Insurer may check the details the Policyholder gives against public records and industry databases.\n(2) The Insurer may contact previous insurers to confirm the Policyholder's claims history.\n\n§ 40  Complaints\n(1) If the Policyholder has a complaint, the Policyholder should first contact the Insurer's customer relations team, quoting the policy number.\n(2) The Insurer will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Policyholder remains dissatisfied, the Policyholder may be able to refer the complaint to an independent ombudsman service.\n\n§ 41  Arbitration\n(1) If the Insurer accepts a claim but disagree with the Policyholder about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Insurer.\n\n§ 42  Reasonable precautions\n(1) The Policyholder must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Policyholder must take reasonable steps to recover lost or stolen property.\n\n§ 43  Compensation scheme\n(1) The Insurer is covered by a financial services compensation scheme.\n(2) If the Insurer cannot meet the Insurer's obligations, the Policyholder may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 44  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 45  Claims documents\n(1) The Policyholder must provide, at the Policyholder's own expense, original receipts, invoices, reports and any other evidence the Insurer reasonably ask for.\n(2) The Insurer may ask for a medical certificate, a police report or a repair estimate, depending on the claim.\n\n§ 46  Cooperation\n(1) The Policyholder must give the Insurer all the help and information the Insurer reasonably need to settle a claim.\n(2) The Policyholder must not admit liability or offer to settle any claim without the Insurer's written permission.\n\n§ 47  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Insurer may charge the premium without the discount from that date.\n\n§ 48  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Insurer may adjust the premium from the date of the change.\n\n§ 49  Interest\n(1) The Insurer will not pay interest on any claim payment unless the law requires it.\n\n§ 50  Waiver\n(1) If the Insurer does not enforce any term of this policy, that does not mean the Insurer has given up the right to enforce it later.\n\n§ 51  Other insurance\n(1) If any loss covered by this policy is also covered by another policy, the Insurer will pay only the Insurer's proportionate share.\n(2) The Policyholder must tell the Insurer about any other insurance that covers the same loss when the Policyholder makes a claim.\n\n§ 52  Tenant's improvements\n(1) If the Policyholder rents the home, the Insurer will pay for damage to fixtures and fittings that the Policyholder installed and are responsible for.\n(2) This cover applies only to improvements the Policyholder paid for, not to items provided by the landlord.\n\n§ 53  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n=== CLAIM ===\nClaim summary: Petra Delgado; policy H156850; policy start 17 September 2026; schedule covers Theft, Escape of Water, Flood; extensions none. Section claimed: Accidental Damage, for a laptop. Incident date 20 February 2027; notified 13 April 2027; assessed loss $678. Facts: Petra knocked the laptop over while moving furniture. Petra has lived at the property for four years.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_late": "Decline: the claim was notified too late (§ 8(2))", "not_covered": "Decline: Accidental Damage is not a cover shown in the schedule", "pay_sublimit": "Pay up to the Portable electronics sublimit (§ 3(3))", "deny_waiting": "Decline: the incident happened during the waiting period (§ 6(2))", "deny_wear_home": "Decline under the wear and tear exclusion (§ 3(5))"}, "src": "hard_long_policy", "label": "not_covered"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$578", "b": "$678", "c": "$0", "d": "$650", "e": "$1,900"}, "src": "hard_long_policy", "label": "c"}}, "_meta": {"id": "hard-v1/long_policy/development/00070", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00070", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "home", "target": "not_covered", "category": "accidental", "tempting": null, "facts": {"domain": "home", "fee_order": "after", "notice_days": 60, "categories": {"theft": {"limit": 20000, "fee": 100, "waiting": 0, "purchased": true}, "water": {"limit": 30000, "fee": 250, "waiting": 0, "purchased": true}, "accidental": {"limit": 2000, "fee": 100, "waiting": 0, "purchased": false}, "flood": {"limit": 40000, "fee": 500, "waiting": 14, "purchased": true}}, "classes": {"high_risk": {"category": "theft", "cap": 1500}, "bicycles": {"category": "theft", "cap": 800}, "art": {"category": "water", "cap": 2000}, "portable": {"category": "accidental", "cap": 750}, "garden": {"category": "flood", "cap": 500}}, "exclusions": [{"key": "unoccupied", "categories": ["theft"], "kind": "threshold", "thr": 30, "cmp": "gt", "has_exception": false}, {"key": "no_forced_entry", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "outbuilding", "categories": ["theft"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "gradual", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "sealant", "categories": ["water"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "pets", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "wear_home", "categories": ["accidental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "flood_warning", "categories": ["flood"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}], "case": {"category": "accidental", "item": "the laptop", "item_class": "portable", "loss_cents": 67800, "start": "2026-09-17", "incident": "2027-02-20", "reported": "2027-04-13", "conditions": {}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"deny_late": "deny_late", "not_covered": "not_covered", "pay_sublimit": "pay_sublimit", "deny_waiting": "deny_waiting", "deny_wear_home": "deny_wear_home"}, "amount": {"a": 57800, "b": 67800, "c": 0, "d": 65000, "e": 190000}}}, "text_sha256": "d5628178c3021b47794ec7b5fdf2238c5b14cbd972328a9c0ea02f63bf54660a", "state_tokens": 4095}}
{"state": "STAFF HEALTH REIMBURSEMENT PLAN RULES\nIssued by Wellspring Benefits Administration\nIn this policy, \"the Plan\" means Wellspring Benefits Administration and \"the Member\" means the person named in the schedule.\n\n§ 1  Definitions\n(1) Business day means Monday to Friday, excluding public holidays.\n(2) Frames means spectacle frames bought without new lenses.\n(3) Hearing accessories means batteries, chargers and cleaning kits.\n(4) Hearing aid replacement period means 24 months from the purchase of hearing aids funded by the plan.\n(5) Limit means the most the Plan will pay for all claims under a section arising from one treatment.\n(6) Major restorative work means crowns, bridges, root canal treatment and implants.\n(7) Massage therapy means sports massage, massage therapy and reflexology.\n(8) Network provider means a practitioner or clinic that has an agreement with the Plan to provide treatment.\n(9) Orthodontics means braces and clear aligners.\n(10) Policy period means twelve months from the policy start date shown in the Member's schedule.\n(11) Receipt means a document from the seller or provider showing the date, the amount paid and what was supplied.\n(12) Replacement period means 12 months from the date of the Member's last eyewear claim.\n(13) Sublimit means a lower limit that applies to a particular class of property or treatment within a section.\n\n§ 2  Limits and deductible\n(1) Dental Care: limit $2,000 per treatment; deductible $50 per claim.\n(2) Vision Care: limit $400 per treatment; deductible $40 per claim.\n(3) Therapy Services: limit $1,000 per treatment; deductible $75 per claim.\n(4) Hearing Care: limit $1,000 per treatment; deductible $150 per claim.\n(5) The deductible is deducted from the assessed loss before any limit or sublimit is applied.\n\n§ 3  Dental Care\n(1) The Plan will reimburse the cost of dental treatment provided by a licensed dentist.\n(2) No cover applies under this section to any treatment that happens within the first 90 days after the policy start date.\n(3) The most the Plan will pay for Major restorative work under this section is $750 per treatment.\n(4) The most the Plan will pay for Orthodontics under this section is $600 per treatment.\n(5) The Plan will not pay for treatment that is mainly cosmetic, such as whitening or veneers. This exclusion does not apply to treatment needed to repair damage caused by an accident.\n(6) The Plan will not pay for treatment by a provider outside the plan's network. This exclusion does not apply to emergency treatment for sudden severe pain.\n\n§ 4  Vision Care\n(1) The Plan will reimburse eye tests and prescription eyewear.\n(2) The most the Plan will pay for Frames under this section is $120 per treatment.\n(3) The Plan will not pay for eyewear without prescription lenses.\n(4) The Plan will not pay for a further eyewear claim within the replacement period.\n\n§ 5  Therapy Services\n(1) The Plan will reimburse physiotherapy, osteopathy and counselling provided by a registered practitioner.\n(2) The most the Plan will pay for Massage therapy under this section is $200 per treatment.\n(3) The Plan will not pay for treatment of an injury covered by workers' compensation.\n(4) The Plan will not pay for treatment by a practitioner who is not registered with the relevant professional body.\n\n§ 6  Optional cover: Hearing Care\n(1) The Plan will reimburse hearing tests and hearing aids.\n(2) This section applies only if it is shown as purchased in the Member's schedule.\n(3) The most the Plan will pay for Hearing accessories under this section is $150 per treatment.\n(4) The Plan will not pay for replacement hearing aids bought within the hearing aid replacement period.\n\n§ 7  General exclusions\n(1) The Plan will not pay for any deliberate or criminal act by the Member.\n(2) The Plan will not pay for loss caused by nuclear radiation or radioactive contamination.\n(3) The Plan will not pay for any fraudulent claim or any claim supported by false documents.\n(4) The Plan will not pay for loss or damage caused by war, invasion, or civil war.\n\n§ 8  Making a claim\n(1) The Member must provide proof of ownership or of the cost incurred for every item or service claimed.\n(2) The Member must notify the Plan of a claim within 14 days of the treatment. The Plan will not pay any claim notified after that time.\n(3) The Plan may appoint a loss adjuster to investigate any claim.\n\n§ 9  Wellness allowance\n(1) Each plan year the Member may claim up to $250 towards a gym membership or fitness class.\n(2) The wellness allowance is not subject to any deductible and does not count towards other limits.\n\n§ 10  Arbitration\n(1) If the Plan accepts a claim but disagree with the Member about the amount, the difference will be referred to an arbitrator appointed by both parties.\n(2) Where arbitration applies, obtaining an award is a condition precedent to any legal action against the Plan.\n\n§ 11  Geographical limits\n(1) Cover applies only within the territory shown in the schedule.\n(2) Cover for property temporarily away from its usual place applies only within the same country.\n\n§ 12  Change of address\n(1) The Member must tell the Plan within 30 days if the Member changes the Member's address.\n(2) The Plan may change the premium or the terms from the date of the move.\n\n§ 13  Taxes\n(1) The premium includes any insurance premium tax at the current rate.\n(2) If the tax rate changes, the Plan may adjust the premium from the date of the change.\n\n§ 14  Eligibility\n(1) Employees who work at least 20 hours a week are eligible to join the plan from their first day of employment.\n(2) Contractors, agency workers and employees on unpaid leave of more than three months are not eligible.\n\n§ 15  Complaints\n(1) If the Member has a complaint, the Member should first contact the Plan's customer relations team, quoting the policy number.\n(2) The Plan will acknowledge a complaint within five working days and aim to resolve it within eight weeks.\n(3) If the Member remains dissatisfied, the Member may be able to refer the complaint to an independent ombudsman service.\n\n§ 16  Interpretation\n(1) Headings are for convenience only and do not affect the meaning of this policy.\n(2) Words in the singular include the plural and the other way round.\n(3) Words defined in the definitions section have the same meaning wherever they appear in bold or with an initial capital.\n\n§ 17  Discounts\n(1) Any discount shown in the schedule applies only while the conditions for it continue to be met.\n(2) If a condition for a discount stops being met, the Plan may charge the premium without the discount from that date.\n\n§ 18  Reasonable precautions\n(1) The Member must take all reasonable steps to prevent loss or damage and to keep property in good condition.\n(2) The Member must take reasonable steps to recover lost or stolen property.\n\n§ 19  Changes in circumstances\n(1) The Member must tell the Plan as soon as reasonably possible about any change in the information shown in the schedule.\n(2) The Plan may then change the premium or the terms of this policy, or cancel it.\n\n§ 20  Cooperation\n(1) The Member must give the Plan all the help and information the Plan reasonably need to settle a claim.\n(2) The Member must not admit liability or offer to settle any claim without the Plan's written permission.\n\n§ 21  Fraud\n(1) If any claim is fraudulent or exaggerated in any respect, the Plan will not pay the claim and all cover under this policy may be cancelled.\n(2) The Plan may share information with fraud prevention agencies and other insurers.\n\n§ 22  Accessibility\n(1) This document is available in large print, braille or audio on request.\n\n§ 23  Waiver\n(1) If the Plan does not enforce any term of this policy, that does not mean the Plan has given up the right to enforce it later.\n\n§ 24  Notices\n(1) Any notice the Plan gives under this policy will be sent to the most recent postal or email address the Plan holds.\n(2) Notices from the Member should be sent to the address shown in the schedule.\n\n§ 25  Communication\n(1) The Plan will communicate with the Member in English.\n(2) The Plan may record telephone calls for training and quality purposes.\n\n§ 26  Premium payment\n(1) The Member must pay the premium on or before the policy start date or in the monthly instalments shown in the schedule.\n(2) If an instalment is not paid within 7 days of its due date, the Plan may cancel the policy after giving notice.\n\n§ 27  Market conditions\n(1) If the replacement item is no longer available, the Plan will pay the cost of the nearest equivalent available at the time of the claim.\n\n§ 28  Recovery of costs\n(1) If the Plan pays a claim that is later found not to be covered, the Plan may ask the Member to repay the amount.\n\n§ 29  Dependants\n(1) The Member may enrol dependants at the start of each plan year or within 30 days of a qualifying life event.\n(2) Benefits paid for dependants count towards the same annual limits as the Member's own claims.\n\n§ 30  Currency\n(1) All amounts in this policy are in US dollars.\n(2) Claims for costs incurred in another currency will be converted at the exchange rate on the date the cost was incurred.\n\n§ 31  Contracts (Rights of Third Parties)\n(1) A person who is not a party to this policy has no right to enforce any of its terms.\n\n§ 32  Severability\n(1) If any term of this policy is found to be invalid, the remaining terms will continue in full force.\n\n§ 33  Data protection\n(1) The Plan will use the personal information the Member provides to administer this policy and to handle claims.\n(2) The Plan will keep personal information only for as long as it is needed for these purposes or as required by law.\n(3) The Member can ask for a copy of the personal information the Plan holds by writing to the Plan's data protection officer.\n\n§ 34  Appeals\n(1) If the Plan declines all or part of a claim, the Member may appeal in writing within 60 days of the decision.\n(2) An appeal will be reviewed by someone who was not involved in the original decision.\n(3) The Plan will give the Member a written decision on the appeal within 30 days.\n\n§ 35  Duty of fair presentation\n(1) The Member must answer all questions the Plan asks honestly and to the best of the Member's knowledge.\n(2) If the Member gives incorrect information deliberately or recklessly, the Plan may treat this policy as if it never existed and keep the premium.\n(3) If the Member gives incorrect information carelessly, the Plan may reduce any claim payment in proportion to the premium that should have been charged.\n\n§ 36  Electronic documents\n(1) The Plan will send documents by email unless the Member asks for paper copies.\n(2) The Member must tell the Plan if the Member's email address changes.\n(3) Documents sent by email are treated as received on the day they are sent.\n\n§ 37  How to read this document\n(1) This document, the schedule and any endorsements form one contract and should be read together.\n(2) Where the schedule and this document conflict, the schedule applies.\n(3) Examples given in this document are for illustration only and do not limit the meaning of any term.\n\n§ 38  Assignment\n(1) The Member cannot transfer the Member's interest in this policy to anyone else without the Plan's written consent.\n\n§ 39  Customer support\n(1) The Plan's helpline is open from 8 a.m. to 8 p.m. on weekdays and from 9 a.m. to 5 p.m. on Saturdays.\n(2) Outside these hours the Member can leave a message and the Plan will call back on the next working day.\n\n§ 40  Records and evidence\n(1) The Member should keep receipts, photographs and valuations for items of significant value.\n(2) Where proof of value is missing, the Plan may base any settlement on the price of a comparable item.\n(3) The Plan may ask for evidence of how and when an item was acquired.\n\n§ 41  Sanctions\n(1) The Plan will not provide cover or pay any claim to the extent that doing so would expose the Plan to any sanction or restriction under applicable trade or economic sanctions laws.\n\n§ 42  Payment of claims\n(1) The Plan will pay claims by bank transfer to an account in the Member's name.\n(2) The Plan aims to pay accepted claims within 5 working days of receiving all the documents the Plan needs.\n\n§ 43  Instalment agreements\n(1) If the Member pays by instalments, the instalment agreement is a separate contract with the finance provider.\n(2) Ending the instalment agreement does not cancel this policy, but unpaid premium remains due.\n\n§ 44  Renewal\n(1) The Plan will write to the Member at least 21 days before the end of the policy period with the renewal terms.\n(2) The Plan is not obliged to offer renewal.\n\n§ 45  Governing law\n(1) This policy is governed by the law of the jurisdiction in which it was issued, unless both parties agree otherwise in writing.\n(2) Any dispute will be subject to the exclusive jurisdiction of the courts of that jurisdiction.\n\n§ 46  Subrogation\n(1) The Plan will be entitled to take over and conduct in the Member's name the defence or settlement of any claim.\n(2) The Plan can take action in the Member's name to recover any payment the Plan makes from anyone responsible for the loss.\n\n§ 47  Environmental commitment\n(1) Where practical, the Plan will repair rather than replace damaged items and will use recycled or refurbished parts.\n(2) The Member may ask for a new part instead, and the Plan will tell the Member whether any additional cost would apply.\n\n§ 48  Inflation\n(1) The Plan may adjust limits at renewal in line with a published index of consumer prices.\n(2) Any adjustment will be shown in the Member's renewal documents; limits do not change during a policy period.\n\n§ 49  Compensation scheme\n(1) The Plan is covered by a financial services compensation scheme.\n(2) If the Plan cannot meet the Plan's obligations, the Member may be entitled to compensation from the scheme, depending on the type of policy and the circumstances.\n\n§ 50  Coordination of benefits\n(1) If a treatment is also covered by another plan, the Plan will pay only the part of the cost that the other plan does not pay.\n(2) The Member must tell the Plan about any other plan that covers the Member or the Member's dependants.\n\n=== CLAIM ===\nClaim summary: Diego Novak; policy K147039; policy start 18 May 2025; schedule covers Dental Care, Vision Care, Therapy Services; extensions none. Section claimed: Dental Care, for a dental implant. Treatment date 26 July 2025; notified 6 August 2025; assessed loss $204.40. Facts: The dentist recommended the treatment after a routine check-up. The provider issued an itemised invoice.", "questions": {"outcome": {"type": "choice", "instructions": "Decide this claim according to the policy. Which outcome applies?", "criteria": {"deny_waiting": "Decline: the treatment happened during the waiting period (§ 3(2))", "deny_out_of_network": "Decline under the out-of-network providers exclusion (§ 3(6))", "pay_sublimit": "Pay up to the Major restorative work sublimit (§ 3(3))", "deny_cosmetic": "Decline under the cosmetic treatment exclusion (§ 3(5))", "not_covered": "Decline: Dental Care is not a cover shown in the schedule"}, "src": "hard_long_policy", "label": "deny_waiting"}, "amount": {"type": "choice", "instructions": "Settlement amount due under the policy:", "criteria": {"a": "$204.40", "b": "$750", "c": "$154.40", "d": "$0", "e": "$1,950"}, "src": "hard_long_policy", "label": "d"}}, "_meta": {"id": "hard-v1/long_policy/development/00079", "source": "hard_long_policy", "group_id": "hard-v1/long_policy/development/00079", "variant": "clean", "split": "development", "template": "long_policy/t4", "family": "long_policy", "subtype": "benefits", "target": "deny_waiting", "category": "dental", "tempting": null, "facts": {"domain": "benefits", "fee_order": "before", "notice_days": 14, "categories": {"dental": {"limit": 2000, "fee": 50, "waiting": 90, "purchased": true}, "vision": {"limit": 400, "fee": 40, "waiting": 0, "purchased": true}, "therapy": {"limit": 1000, "fee": 75, "waiting": 0, "purchased": true}, "hearing": {"limit": 1000, "fee": 150, "waiting": 0, "purchased": false}}, "classes": {"major": {"category": "dental", "cap": 750}, "ortho": {"category": "dental", "cap": 600}, "frames": {"category": "vision", "cap": 120}, "massage": {"category": "therapy", "cap": 200}, "accessories": {"category": "hearing", "cap": 150}}, "exclusions": [{"key": "cosmetic", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "out_of_network", "categories": ["dental"], "kind": "flag", "thr": null, "cmp": null, "has_exception": true}, {"key": "non_prescription", "categories": ["vision"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "frequency", "categories": ["vision"], "kind": "threshold", "thr": 12, "cmp": "lt", "has_exception": false}, {"key": "work_injury", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "unregistered", "categories": ["therapy"], "kind": "flag", "thr": null, "cmp": null, "has_exception": false}, {"key": "replacement", "categories": ["hearing"], "kind": "threshold", "thr": 24, "cmp": "lt", "has_exception": false}], "case": {"category": "dental", "item": "the implant", "item_class": "major", "loss_cents": 20440, "start": "2025-05-18", "incident": "2025-07-26", "reported": "2025-08-06", "conditions": {}, "values": {}, "exceptions": {}}, "options_q": {"outcome": {"deny_waiting": "deny_waiting", "deny_out_of_network": "deny_out_of_network", "pay_sublimit": "pay_sublimit", "deny_cosmetic": "deny_cosmetic", "not_covered": "not_covered"}, "amount": {"a": 20440, "b": 75000, "c": 15440, "d": 0, "e": 195000}}}, "text_sha256": "b492a32e6b02b2616b39af1f734a416268d74eb35ab307e3e5fc0e5002de1df3", "state_tokens": 3527}}
{"state": "SPEC SHEET: a marketing agency for the spring campaign\nWildfern Agency | fee=$9,000 | lead time=8 weeks | portfolio rating=3/10 | B2B campaign experience=yes | in-house video production=no\nBrightside Creative | fee=$29,500 | lead time=6 weeks | portfolio rating=7/10 | B2B campaign experience=yes | in-house video production=no\nSignal & Co | fee=$12,000 | lead time=2 weeks | portfolio rating=4/10 | B2B campaign experience=yes | in-house video production=yes\nNorthlight Studio | fee=$9,500 | lead time=8 weeks | portfolio rating=3/10 | B2B campaign experience=yes | in-house video production=yes\nTallgrass Media | fee=$28,500 | lead time=2 weeks | portfolio rating=10/10 | B2B campaign experience=yes | in-house video production=yes\nR1: its portfolio rating must be at least 10/10\nSelection: Among the options that meet every requirement, choose the one with the lowest fee; if two or more are tied on fee, choose the one with the lowest lead time.", "questions": {"choice": {"type": "choice", "instructions": "Which agency best satisfies the brief?", "criteria": {"northlight_studio": null, "brightside_creative": null, "signal_co": null, "tallgrass_media": null, "wildfern_agency": null}, "src": "hard_tradeoff", "label": "tallgrass_media"}, "meets": {"type": "noul", "instructions": "Is Tallgrass Media compliant with all the hard requirements?", "src": "hard_tradeoff", "label": true}}, "_meta": {"id": "hard-v1/tradeoff/development/00037", "source": "hard_tradeoff", "group_id": "hard-v1/tradeoff/development/00037", "variant": "clean", "split": "development", "template": "tradeoff/t4", "family": "tradeoff", "subtype": "lex", "context": "agency", "none_case": false, "facts": {"rule": "lex", "options": {"Wildfern Agency": {"cost": 9000, "lead": 8, "portfolio": 3, "b2b": true, "inhouse": false}, "Brightside Creative": {"cost": 29500, "lead": 6, "portfolio": 7, "b2b": true, "inhouse": false}, "Signal & Co": {"cost": 12000, "lead": 2, "portfolio": 4, "b2b": true, "inhouse": true}, "Northlight Studio": {"cost": 9500, "lead": 8, "portfolio": 3, "b2b": true, "inhouse": true}, "Tallgrass Media": {"cost": 28500, "lead": 2, "portfolio": 10, "b2b": true, "inhouse": true}}, "constraints": [{"attr": "portfolio", "op": ">=", "value": 10}], "priority": [["cost", "lower"], ["lead", "lower"]], "weights": {}, "years": null, "check": "Tallgrass Media", "options_q": {"choice": {"northlight_studio": "northlight_studio", "brightside_creative": "brightside_creative", "signal_co": "signal_co", "tallgrass_media": "tallgrass_media", "wildfern_agency": "wildfern_agency"}}}, "text_sha256": "28210094512332e8890e697407239e9a0edec97b6c82bd22f55eb7010e5b40ca", "state_tokens": 265}}