{
  "category_claim": "A claim is where all the abstractions become money.",
  "claim_event": {
    "at_ms": 1773964800000,
    "claim_amount": "4200000.00 USD",
    "claim_id": "claim_84711",
    "claim_status": "filed",
    "filed_by": "princ_cfo_001",
    "insured": "princ_root_claim_44962d9b-25f5-5622-bd9a-98d5580bb8a2",
    "insurer": "princ_insurer_global_credit_re_001",
    "loss_event_id": "loss_loan_84711_default"
  },
  "convergence_check": {
    "active_grants": 2,
    "claim_events": 1,
    "decisions": 2,
    "loss_events": 1,
    "loss_lineage_index_entries": 23,
    "model_versions": 1,
    "policy_versions": 2,
    "responsibility_index_entries": 13
  },
  "input": {
    "event_count": 10,
    "replay_at_ms": 1931068800000,
    "tenant_id": "tenant_insurance_claim_44962d9b-25f5-5622-bd9a-98d5580bb8a2",
    "tenant_root": "princ_root_claim_44962d9b-25f5-5622-bd9a-98d5580bb8a2"
  },
  "killer_query_locked": "Why did we lose $4.2M?",
  "loss_event": {
    "affected_asset": "loan_84711_borrower_principal_princ_borrower_loan_84711",
    "at_ms": 1773532800000,
    "loss_amount": "4200000.00 USD",
    "loss_category": "credit_default",
    "loss_id": "loss_loan_84711_default",
    "recognized_by": "princ_cfo_001",
    "triggering_decision_ids": [
      "decision_loan_84711_approval",
      "decision_loan_84711_recommendation"
    ]
  },
  "proof_id": "first-replayable-insurance-claim",
  "show_loss_lineage_claim_84711": [
    {
      "layer": "ASSET",
      "loss_event_id": "loss_loan_84711_default",
      "reference": "loan_84711_borrower_principal_princ_borrower_loan_84711"
    },
    {
      "layer": "AUTHORITY",
      "loss_event_id": "loss_loan_84711_default",
      "principal": "princ_credit_risk_agent_001",
      "reference": "princ_credit_officer_001 → princ_credit_risk_agent_001"
    },
    {
      "layer": "AUTHORITY",
      "loss_event_id": "loss_loan_84711_default",
      "principal": "princ_credit_officer_001",
      "reference": "princ_root_claim_44962d9b-25f5-5622-bd9a-98d5580bb8a2 → princ_credit_officer_001"
    },
    {
      "layer": "CLAIM",
      "loss_event_id": "loss_loan_84711_default",
      "principal": "princ_root_claim_44962d9b-25f5-5622-bd9a-98d5580bb8a2",
      "reference": "claim_84711"
    },
    {
      "layer": "DECISION",
      "loss_event_id": "loss_loan_84711_default",
      "principal": "princ_credit_officer_001",
      "reference": "decision_loan_84711_approval"
    },
    {
      "layer": "DECISION",
      "loss_event_id": "loss_loan_84711_default",
      "principal": "princ_credit_risk_agent_001",
      "reference": "decision_loan_84711_recommendation"
    },
    {
      "layer": "MODEL",
      "loss_event_id": "loss_loan_84711_default",
      "principal": "princ_model_owner_credit_underwriting",
      "reference": "model_credit_underwriting:1"
    },
    {
      "layer": "MODEL",
      "loss_event_id": "loss_loan_84711_default",
      "principal": "princ_model_owner_credit_underwriting",
      "reference": "model_credit_underwriting:1"
    },
    {
      "layer": "POLICY",
      "loss_event_id": "loss_loan_84711_default",
      "principal": "princ_policy_owner_underwriting",
      "reference": "pol_credit_underwriting:1"
    },
    {
      "layer": "POLICY",
      "loss_event_id": "loss_loan_84711_default",
      "principal": "princ_policy_owner_underwriting",
      "reference": "pol_credit_underwriting:1"
    },
    {
      "layer": "RESPONSIBILITY:APPROVAL",
      "loss_event_id": "loss_loan_84711_default",
      "principal": "princ_credit_officer_001",
      "reference": "decision_loan_84711_approval"
    },
    {
      "layer": "RESPONSIBILITY:ASSET",
      "loss_event_id": "loss_loan_84711_default",
      "principal": "princ_borrower_loan_84711",
      "reference": "decision_loan_84711_approval"
    },
    {
      "layer": "RESPONSIBILITY:ASSET",
      "loss_event_id": "loss_loan_84711_default",
      "principal": "princ_borrower_loan_84711",
      "reference": "decision_loan_84711_recommendation"
    },
    {
      "layer": "RESPONSIBILITY:EXECUTION",
      "loss_event_id": "loss_loan_84711_default",
      "principal": "princ_credit_officer_001",
      "reference": "decision_loan_84711_approval"
    },
    {
      "layer": "RESPONSIBILITY:EXECUTION",
      "loss_event_id": "loss_loan_84711_default",
      "principal": "princ_credit_risk_agent_001",
      "reference": "decision_loan_84711_recommendation"
    },
    {
      "layer": "RESPONSIBILITY:MODEL",
      "loss_event_id": "loss_loan_84711_default",
      "principal": "princ_model_owner_credit_underwriting",
      "reference": "decision_loan_84711_approval"
    },
    {
      "layer": "RESPONSIBILITY:MODEL",
      "loss_event_id": "loss_loan_84711_default",
      "principal": "princ_model_owner_credit_underwriting",
      "reference": "decision_loan_84711_recommendation"
    },
    {
      "layer": "RESPONSIBILITY:OVERSIGHT",
      "loss_event_id": "loss_loan_84711_default",
      "principal": "princ_root_claim_44962d9b-25f5-5622-bd9a-98d5580bb8a2",
      "reference": "decision_loan_84711_approval"
    },
    {
      "layer": "RESPONSIBILITY:OVERSIGHT",
      "loss_event_id": "loss_loan_84711_default",
      "principal": "princ_credit_officer_001",
      "reference": "decision_loan_84711_recommendation"
    },
    {
      "layer": "RESPONSIBILITY:POLICY",
      "loss_event_id": "loss_loan_84711_default",
      "principal": "princ_policy_owner_underwriting",
      "reference": "decision_loan_84711_approval"
    },
    {
      "layer": "RESPONSIBILITY:POLICY",
      "loss_event_id": "loss_loan_84711_default",
      "principal": "princ_policy_owner_underwriting",
      "reference": "decision_loan_84711_recommendation"
    },
    {
      "layer": "RESPONSIBILITY:SUPERVISION",
      "loss_event_id": "loss_loan_84711_default",
      "principal": "princ_root_claim_44962d9b-25f5-5622-bd9a-98d5580bb8a2",
      "reference": "decision_loan_84711_approval"
    },
    {
      "layer": "RESPONSIBILITY:SUPERVISION",
      "loss_event_id": "loss_loan_84711_default",
      "principal": "princ_credit_officer_001",
      "reference": "decision_loan_84711_recommendation"
    }
  ],
  "state_id": "6d540fc52dc0a4b7a593e38494c8bca6b6a3d8f5b64678f7acb86e7574e3748c",
  "the_chain_reads": {
    "affected_asset": "loan_84711_borrower_principal_princ_borrower_loan_84711",
    "claim": "claim_84711 filed by CFO with reinsurer",
    "decisions": [
      "decision_loan_84711_approval (Human credit officer approved)",
      "decision_loan_84711_recommendation (AI risk agent recommended)"
    ],
    "loss": "loss_loan_84711_default — credit_default — $4.2M",
    "model": "model_credit_underwriting v1",
    "policy_amended_later": "pol_credit_underwriting v2 (DTI<=0.36 — too late)",
    "policy_in_force_at_decision": "pol_credit_underwriting v1 (DTI<=0.45)",
    "responsibility_chain_at_decision_time": "actor=credit_officer, model_owner=model_owner_underwriting, policy_owner=policy_owner_underwriting, asset_owner=borrower, delegated_from=root"
  }
}