{
  "schemaVersion": 1,
  "studyId": "synthetic-debt-payoff-v1",
  "preparedOn": "2026-09-07",
  "engineVersion": "2026-09-06.1",
  "horizonMonths": 1200,
  "extraPayments": [0, 100, 250],
  "portfolios": [
    {"id":"one-debt","label":{"en":"One debt: ordering has no effect","es":"Una deuda: el orden no cambia nada"},"debts":[{"name":"A","balance":5000,"apr":22,"min":200}]},
    {"id":"small-lower-rate","label":{"en":"Smaller debt has the lower rate","es":"La deuda pequeña tiene menor tasa"},"debts":[{"name":"A","balance":1000,"apr":8,"min":35},{"name":"B","balance":9000,"apr":24,"min":225}]},
    {"id":"small-higher-rate","label":{"en":"Smaller debt has the higher rate","es":"La deuda pequeña tiene mayor tasa"},"debts":[{"name":"A","balance":1000,"apr":24,"min":35},{"name":"B","balance":9000,"apr":8,"min":225}]},
    {"id":"equal-rates","label":{"en":"Two debts with equal rates","es":"Dos deudas con la misma tasa"},"debts":[{"name":"A","balance":1000,"apr":18,"min":35},{"name":"B","balance":9000,"apr":18,"min":225}]}
  ]
}