{
  "sample": "A fictional automated-decision record for trying /seal. No real person or system.",
  "kind": "ai.decision",
  "decision_id": "D-2026-10-03-0007",
  "system": "credit-prescreen",
  "model_version": "2026.09.2",
  "input_digest": "a3f1c5d8e9b2477c0d6e2f4a8b1c3d5e7f9a0b2c4d6e8f0a1b3c5d7e9f1a3b5c",
  "outcome": "refer-to-human",
  "reasons": ["income below threshold for requested amount", "short credit history"],
  "human_review": { "reviewer_ref": "U-17", "result": "approved-lower-amount", "at": "2026-10-03T10:42:00Z" }
}