{
  "id": "MERIDIAN-001",
  "synthetic": true,
  "asOf": "2026-11-03",
  "exporter": "Haneul Flow Systems",
  "distributor": "Meridian Industrial Supply Ltd",
  "product": "HF-200 industrial transfer pump",
  "quantity": 1000,
  "origin": "Busan, Korea",
  "destination": "Port Meridian \u2192 Eastport warehouse, Meridian market",
  "terms": "FOB Busan \u00b7 one 20-foot shipment \u00b7 30-day credit requested",
  "decisionDate": "2026-11-20",
  "owner": "Mina Park \u00b7 export manager",
  "reviewer": "Daniel Lee \u00b7 trade analyst",
  "goods": 48000,
  "freight": 1600,
  "insurance": 240,
  "dutyRate": 0.05,
  "vatRate": 0.11,
  "wholesale": 80,
  "targetMargin": 0.3,
  "marketingAdvance": 12000,
  "fees": [
    {
      "label": "Customs clearance",
      "amount": 300,
      "source": "E3",
      "timing": "arrival"
    },
    {
      "label": "Terminal / port handling",
      "amount": 450,
      "source": "E3",
      "timing": "arrival"
    },
    {
      "label": "Inland delivery to warehouse",
      "amount": 600,
      "source": "E3",
      "timing": "arrival"
    },
    {
      "label": "Inspection / release",
      "amount": 200,
      "source": "E3",
      "timing": "arrival"
    },
    {
      "label": "Bank / settlement fee",
      "amount": 120,
      "source": "E4",
      "timing": "day30"
    }
  ],
  "scenarios": [
    {
      "id": "base",
      "label": "Base assumptions",
      "freightExtra": 0,
      "storage": 0,
      "goodsIncrease": 0,
      "recoverVAT": true
    },
    {
      "id": "stress",
      "label": "Price + freight stress",
      "freightExtra": 800,
      "storage": 500,
      "goodsIncrease": 0.03,
      "recoverVAT": true
    },
    {
      "id": "vat",
      "label": "VAT recovery unavailable",
      "goodsIncrease": 0,
      "freightExtra": 0,
      "storage": 0,
      "recoverVAT": false
    }
  ],
  "evidence": [
    {
      "id": "E1",
      "title": "Exporter quote Q-104",
      "date": "2026-11-02",
      "type": "Commercial document",
      "text": "1,000 HF-200 pumps at USD 48 each. FOB Busan USD 48,000. Export packing, origin inland delivery and export clearance included. One 20-foot shipment. No other origin charge modelled.",
      "limit": "Capacity requires supplier confirmation."
    },
    {
      "id": "E2",
      "title": "Forwarder quote F-27",
      "date": "2026-11-02",
      "type": "Logistics quote",
      "text": "Ocean freight USD 1,600; cargo insurance USD 240; 24-day port-to-port estimate. Quote validity 15 November 2026. Stress assumption adds USD 800 freight, 3% supplier price increase and USD 500 storage.",
      "limit": "Transit time is an estimate; delay probability is not modelled."
    },
    {
      "id": "E3",
      "title": "Broker worksheet B-18",
      "date": "2026-11-03",
      "type": "Cost assumptions",
      "text": "Assumed market duty: 5% of goods + freight + insurance. Import VAT: 11% of CIF + duty. VAT assumed fully recoverable, with no recovery lag financing cost modelled. Clearance300; terminal450; inland600; inspection200, all USD and assumed final gross fees with no additional fee VAT. No other border levy assumed.",
      "limit": "Invented rates and bases, not Korean or any actual destination law. No classification, origin preference or regulatory approval claimed."
    },
    {
      "id": "E4",
      "title": "Distributor commercial plan P-09",
      "date": "2026-11-01",
      "type": "Distributor proposal",
      "text": "Claims 45 active outlets and USD 80 net-of-tax wholesale price. Requests 24-month exclusivity, 30-day credit from arrival on first USD 48,000 shipment and USD 12,000 marketing advance. Bank fee USD120, assumed final gross with no additional fee VAT, payable with the goods at day 30. Target distributor gross margin30%; proposed resale price is a plan, not an order.",
      "limit": "Forecast only. No signed customer orders or credit assurance."
    },
    {
      "id": "E5",
      "title": "Channel reconciliation C-06",
      "date": "2026-11-03",
      "type": "Documentary check",
      "text": "The 45-outlet proposal reconciles to 18 distinct active outlets, 12 duplicate names and 15 inactive entries in the supplied sales ledger. All 18 active accounts are in two eastern provinces; nationwide coverage is not evidenced.",
      "limit": "Demand and capacity require independent confirmation."
    },
    {
      "id": "E6",
      "title": "Marketing payment instruction M-03",
      "date": "2026-11-03",
      "type": "Payment document",
      "text": "USD12,000 marketing advance requested to Meridian Logistics Services rather than the proposed distributor. No agency mandate, ownership link or signed payment-authority document supplied.",
      "limit": "Mismatch is a documentary concern, not a finding of fraud. No money sent."
    },
    {
      "id": "E7",
      "title": "Draft appointment agreement A-12",
      "date": "2026-11-02",
      "type": "Contract document",
      "text": "24-month territory-wide exclusivity; no minimum purchases, performance milestones or short pilot exit. Proposed first order on 30-day unsecured credit.",
      "limit": "Draft terms only; no agreement signed and no legal enforceability conclusion."
    },
    {
      "id": "E8",
      "title": "Importing arrangement request I-04",
      "date": "2026-11-03",
      "type": "Missing evidence recorded",
      "text": "No named importer-of-record undertaking or product-specific permission evidence supplied. Distributor says a partner will handle imports, but the partner and responsibility are not documented.",
      "limit": "Unknown, not a finding that the distributor lacks permission."
    },
    {
      "id": "E9",
      "title": "Company and service profile C-02",
      "date": "2026-11-03",
      "type": "Company records",
      "text": "Company incorporated2018; 26 employees; one Eastport warehouse, 620 square metres; four service technicians; unaudited revenue USD2.4m and cash USD62,000. Register identity matches the proposal.",
      "limit": "Unaudited cash does not establish available funding or creditworthiness. Product approvals, solvency and real credentials not verified."
    }
  ],
  "flags": [
    {
      "id": "F1",
      "level": "Blocker",
      "kind": "Document mismatch",
      "title": "Marketing account names a different company",
      "detail": "USD12,000 requested to a third-party beneficiary without documented authority.",
      "impact": "Hold the marketing payment; relationship and authority must be reconciled. Do not infer fraud.",
      "source": [
        "E6"
      ],
      "owner": "Distributor finance lead",
      "due": "2026-11-06",
      "action": "Supply bank confirmation, mandate and verified counterparty instructions; exporter finance independently checks before any payment.",
      "verifier": "Exporter finance controller; independent bank check",
      "resolution": "open"
    },
    {
      "id": "F2",
      "level": "Blocker",
      "kind": "Missing evidence",
      "title": "Importer responsibility is still unknown",
      "detail": "A partner is mentioned, but no named importer undertaking or product-specific permission evidence is supplied.",
      "impact": "Hold first shipment until responsibility and required permissions are evidenced and reviewed.",
      "source": [
        "E8"
      ],
      "owner": "Distributor operations lead",
      "due": "2026-11-09",
      "action": "Name the importing entity and supply its written undertaking and product-specific evidence for defined specialist review.",
      "verifier": "Daniel Lee \u00b7 analyst; defined specialist review still required",
      "resolution": "open"
    },
    {
      "id": "F3",
      "level": "High concern",
      "kind": "Contradictory records",
      "title": "45 outlets claimed; 18 active in the ledger",
      "detail": "12 duplicates and 15 inactive entries explain the difference. Active coverage is regional, not nationwide.",
      "impact": "Nationwide exclusivity is not supported by the supplied channel evidence.",
      "source": [
        "E4",
        "E5"
      ],
      "owner": "Distributor sales director",
      "due": "2026-11-10",
      "action": "Reconcile the account list and obtain independently checked customer references and a regional sales plan.",
      "verifier": "Daniel Lee \u00b7 analyst; independently check references",
      "resolution": "open"
    },
    {
      "id": "F4",
      "level": "High concern",
      "kind": "Commercial terms",
      "title": "24-month exclusivity without purchase minimums",
      "detail": "First shipment on unsecured 30-day credit plus a USD12,000 marketing advance.",
      "impact": "USD60,000 requested unsecured exporter exposure: USD48,000 goods receivable + USD12,000 advance. This excludes additional loss or recovery costs.",
      "source": [
        "E4",
        "E7"
      ],
      "owner": "Exporter commercial lead",
      "due": "2026-11-12",
      "action": "Negotiate a capped nonexclusive pilot, secured or prepaid first order, milestones and exit rights; client decides after review.",
      "verifier": "Mina Park \u00b7 export manager; review revised terms",
      "resolution": "open"
    }
  ],
  "freightValidUntil": "2026-11-15",
  "freightRefreshDue": "2026-11-14",
  "notice": "Demo case as of 3 November 2026. Companies, people, documents and figures are fictional; rates are scenario assumptions.",
  "evidenceAreas": [
    {
      "label": "Identity",
      "ids": [
        "E9"
      ]
    },
    {
      "label": "Importer",
      "ids": [],
      "missingId": "E8"
    },
    {
      "label": "Channels",
      "ids": [
        "E4",
        "E5"
      ]
    },
    {
      "label": "Terms",
      "ids": [
        "E7"
      ]
    },
    {
      "label": "Payments",
      "ids": [
        "E6"
      ]
    },
    {
      "label": "Costs",
      "ids": [
        "E1",
        "E2",
        "E3",
        "E4"
      ]
    }
  ]
}